Church Workers’ Compensation Coverage

Insurance Board provides affordable workers’ compensation solutions for small and mid-sized religious organizations by understanding how churches operate and offering comprehensive coverage, protecting you and your ministry. We understand that carefully managing a budget is critical for faith-based institutions. As an insurance provider created by churches for churches, our overarching mission allows us to provide churches with the support and coverage they need to safely operate for years to come. We achieve this affordability through several strategic, mission-driven approaches:

• Customized Risk Management: We provide customized insurance policies, allowing you to build a plan tailored strictly to your church’s actual needs rather than paying for unnecessary commercial add-ons that inflate costs.
• Nonprofit Structure: Because we operate as a mission-driven organization owned by the Conferences of the United Church of Christ and partnering denominations, we focus our resources on keeping your premiums manageable rather than generating shareholder profits.
• Holistic Coverage Options: By combining workers’ compensation coverage with proactive risk management support, our team helps reduce workplace injuries and claims, which helps keep long-term insurance costs more predictable and affordable for religious organizations.
• Direct Denominational Support: We specialize in serving specific denominations – including the United Church of Christ, Christian Church (Disciples of Christ), Presbyterian Church (USA), Alliance of Baptists, Evangelical Lutheran Church in America, and Reformed Church in America – allowing our pricing and coverage to accurately reflect the distinct environments of these ministries.

Our team walks alongside your church to provide an affordable safety net, empowering you to allocate more resources toward serving your community instead of worrying about financial loss.

Insurance Board offers bundled insurance options that combine property, liability, and workers’ compensation – as well as auto and tenant liability. We recognize that handling multiple insurance policies can be complex and inefficient for church administrators. By taking a holistic approach to church insurance, we help fully safeguard your ministry’s purpose, people, and property under one trusted provider. When you build a customized bundled policy with Insurance Board, your congregation instantly benefits from wide-ranging, streamlined protections that include:

• Property Insurance: We protect your religious structures from catastrophic damages resulting from fire, theft, severe weather, and other unexpected events, including specialized coverage for unique objects like stained glass windows and pipe organs.
• Liability Coverage: Our team guards your church against costly legal claims stemming from accidents, injuries, or other unexpected events occurring on your church grounds.
• Workers’ Compensation: We ensure your church staff is financially protected from work-related injuries, covering medical expenses and lost wages while comprehensively shielding the church itself from financial strain.
• Automobile and Tenants Liability: We integrate coverage for your church vehicles while securing liability protection for external events and community groups utilizing your church facilities.

With our bundled approach, you simply pay for a single policy that covers everything you need. This strategy not only maximizes your overall coverage but also simplifies the administrative process.

Our team at Insurance Board helps religious organizations manage employee safety and compliance alongside their workers’ compensation coverage by providing proactive risk management training and extensive loss prevention resources. Providing excellent insurance coverage is only one part of our sacred responsibility – we passionately believe in preventing issues long before they occur. By partnering with us, we ensure your full compliance with complex workers’ compensation insurance requirements while actively working to keep your employees and volunteers entirely safe. To complement our insurance policies, we provide a support system that includes:

• Safety Central Hub: We grant you immediate access to Safety Central, our go-to digital hub for church safety resources and guidance, offering a comprehensive range of tools to assist your ministry in avoiding potential loss.
• Targeted Safety Training: We provide specialized, in-depth resources on preventing slips, trips, and falls, alongside extensive guidelines on building and grounds maintenance to protect your staff during their daily routines.
• Webinars and Education: Our team regularly hosts free training and highly informative webinars for church leadership, such as our EPL Risk Management 360 series, covering smart hiring, compliance, and litigation readiness.
• People Management Guidance: We offer detailed, expertly crafted materials on employee, volunteer, and board management, ensuring you have the right systems, documentation, and operational processes to create a stronger, safer workplace.

At Insurance Board, our ultimate goal is not just to step in after a loss but to empower your church to foster a highly secure environment. Through our dedicated resources, we make compliance incredibly easy and workplace safety highly achievable.