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Florida Church Insurance for Ministries & Religious Organizations

Protect your place of worship, people, and mission. Our church insurance service is tailored for Florida’s unique risks—property, liability, ministry activities, and more.

What Does Church Insurance Cover in Florida?

Property Coverage

Repairs or replaces your sanctuary, classrooms, offices, and fellowship halls after fire, storms, hurricanes, or vandalism.

General Liability

Protects your church from injury or property damage claims by visitors, guests, or volunteers.

Pastoral Professional Liability

Covers claims arising from counseling, religious guidance, and ministry activities.

Auto/Van Insurance

Coverage for church vans, buses, or vehicles used for ministry and events.

Sexual Misconduct Liability

Critical coverage for claims or allegations of abuse or misconduct.

Event & Activity Coverage

Special insurance for off-site events, youth trips, or community outreach.

Why Church Insurance Matters in Florida

  • Weather & Natural Disaster Risks
    Florida’s hurricanes and storms put church buildings and assets at risk.

  • Unique Liability Exposures
    Religious counseling, youth programs, and community outreach increase legal exposure.

  • Volunteer & Staff Safety
    Protect your congregation, volunteers, and staff with appropriate policies.

Bundle Church Insurance With Other Ministry Protection

Save time and money by bundling property, liability, van, and event insurance for your ministry.



  • Discounts for complete ministry protection

  • Simplified claims and renewals with one agency

  • Flexible options for large and small organizations
Ask About Bundled Ministry Coverage

CHURCH INSURANCE

Frequently Asked Questions

  • Is church insurance required by law in Florida?

    No, but lenders and landlords often require property or liability coverage. Most ministries carry insurance to protect people, assets, and reputation.

  • What types of claims are most common for Florida churches?

    Storm and wind damage, slip-and-fall accidents, event-related incidents, and vehicle accidents.

  • Can we cover volunteers and ministry activities?

    Yes—volunteers, outreach, youth programs, and special events can all be included.

  • Do you offer insurance for church vans and buses?

    Absolutely. We cover all vehicles used for ministry purposes.

  • How can we save on church insurance?

    Bundle policies, improve security, add storm protection, and review your needs regularly.

Still Have Questions? Contact Us

Protect Your Ministry—Get Covered Today

Let American Insurance Agency help your church or religious organization stay protected—so you can focus on serving your community and fulfilling your mission.

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