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Church Insurance in Flowery Branch GA, Gainesville GA, & Cumming GA

We represent multiple church insurance carriers to help find the best coverage at the lowest price. We work for you, not the insurance company. Whether you're a start-up or mega church, we have a solution for you! Our goal is to provide you the highest level of customer service and dedicate our resources to meet your needs and earn your trust. Our success is based on your continued satisfaction. Call us today!

We are currently licensed for the following states. Georgia, Alabama, California, Florida, South Carolina, North Carolina, Tennessee, Texas and Louisiana.

Products We Offer:

  • Church General Liability
  • Church Building Coverage
  • Church Contents
  • Abuse/Molestation
  • EPLI
  • Church Van/Buses
  • Property
  • Pastoral Liability
  • Workers Compensation
  • Directors & Officers Liability

Church Insurance Claim Examples

Non Profit Directors & Officers:

A church elder breached his duty of loyalty by organizing a majority of the congregation into a separate church that ousted the remaining congregation from church property. The elder held secret meetings among his supporting faction and prepared legal documents to transfer the property, all without informing the church’s pastor of his plans. The court ruled that the elder owed a duty to the whole congregation, and could not favor the interests of the majority over the minority.

As a result, the property was returned to the original congregation and money damages were assessed personally against the elder. With its membership growing rapidly, a church’s board of directors appointed a New Building Committee to find land for a larger church. The board selected one of its members to head the committee.

That director steadily pressed the committee to approve purchase of a land parcel viewed by the other committee members as pricey, but otherwise perfect. After much discussion, the committee approved the purchase, and the transaction was completed. It was then discovered that the committee head had a financial interest in the property.

Several congregants took action and named the committee head and the overall board in a lawsuit alleging improper self-dealing, negligence and fraudulent conduct.


Employment Practices Liability:

The Director of Children’s Ministries was terminated and replaced. Her successor was a younger Caucasian male, whom she believed was being paid more than she was. She files suit with the EEOC against the Ministries, alleging racial discrimination, age discrimination, sex discrimination, and pay discrimination.


General Liability:

After the religious service, a congregant tripped on a crack in the concrete and tumbled down an outdoor flight of stairs, resulting in a concussion. A volunteer was decorating the church for a social gathering. While she was standing on a chair to arrange the decorations, she lost her balance and fell resulting in severe arm injuries.


Property:

A fire destroyed a church sanctuary, and resulted in smoke and water damage to the structure and contents of the administrative office. In addition to replacing fixtures, furnishings, equipment and inventory, the church needed to rent space for worship services until the sanctuary was rebuilt.


Pastoral Professional:

The wife of a married couple sought counselling services from their pastor due to being physically abused in the household. The victim was contemplating divorce and sought advice. The pastor encouraged the wife to stay with her husband due to the sanctity of marriage in God’s eyes and to seek couples counselling.

As a result, the wife went back to the abusive relationship and was later hospitalized with severe injuries from her husband. She then sued the church and pastor stating that as a result of the counselling advice she stayed in the unhealthy marriage which led to her injuries.


Abuse & Molestation:

A Sunday School Teacher was accused of sexually molesting a teenager after a bible study session. The teacher quickly denied the charges but was forced to step aside pending a church investigation. After a thorough inquiry, the alleged victim’s credibility crumbled when it was reported that she had a long history of inventing stories about herself and others.

Moreover, parents and students who knew the teacher offered evidence that raised serious doubts that the molestations could have occurred. After an exhausting investigation, the teacher was eventually reinstated to his duties. The cost alone of defending allegation with no merit was costly.


Equipment Breakdown:

A cracked section of a cast-iron boiler resulted in replacement of the boiler resulting in $9,000 of property damage and worship services had to be relocated to an available facility nearby for an extra expense of $1,500.