Religious Program


Insurance for Houses of Worship & Storefront Churches


New, lower premiums starting at $405, 15% commission and NO BROKER FEES. Charity First serves the religious sector by providing a robust package policy tailored exclusively to denominational/non-denominational churches, synagogues, temples, and more.

Our program is available on a nationwide basis through licensed insurance brokers. (Except in LA & WV)

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Coverage Highlights:

  • Risks with up to 30,000 square feet
  • New ventures are eligible
  • All faiths and denominations, including but not limited to: Churches, Meditation centers, Mosques, Temples
  • Organizations involved in certain activities, such as: Food banks, Mission work, Prison ministers, Retreats, Soup kitchens, Thrift stores

Available Limits:

General Liability

  • $1M occurrence / $2M aggregate
  • Pastoral professional coverage up to $1M

Directors & Officers Liability up to $5M limit of liability

Employment Practices Liability up to $5M limit of liability

Crime coverage up to $100,0000

Inland Marine coverage

Property Protection

  • Up to $3M in non-coastal zones (protection class 1-8)
  • Up to $250,000 in non-coastal zones (protection class 9-10)
  • $1M in coastal zones (wind and hail restrictions apply)

Umbrella up to $5M limit

Optional coverage for criminal or civil proceeding defense cost reimbursement for $50,000 / $100,000

Most Common Ineligible Risk Characteristics

  • Located in LA or WV
  • The Following Classes of Business
    • School exposure (Sunday school is acceptable)
    • International missions with children under the age of 18
    • Faith healing ministries

Coverages Offered

General Liability

Bodily Injury And Property Damage

Business Personal Property

Business Personal Property Coverage

Business Personal Property Off Premise Coverage

Commercial Property

Damage To Third Party Property

Liability For Guests’ Property

Outdoor Property Destruction

Personal Property In Transit

Property Coverage For Personal Property In Rooms Furnished By Operator

Property Damage

Property In Transit

Property Off Premise

Temporary Relocation Of Property

Workers Compensation

Directors And Officers Liability

Employment Practices Liability (EPLI)


Employee Benefits Liability Coverage

Commercial Auto

Hired & Non-Owned Auto Insurance Coverage

Hired Auto Physical Damage

Binging Authority


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