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Understanding a Church Insurance “No Coverage” Decision

05/15/2026

You’ve paid your premiums faithfully for years. You’ve maintained your property, submitted your renewal forms on time, and done everything you were supposed to do. Then something happens — a fire, a theft, a lawsuit — and you file a claim. A few weeks later, a letter arrives. “We have reviewed your …

Church Insurance Claims: A Practical Guide

05/14/2026

A severe storm damages your church’s roof. A break-in destroys your audio-visual equipment. A visitor is injured on church property. These are the moments your insurance policy is supposed to step in and make things right. But for many church leaders who’ve had to file a claim, the process doesn’t …

Finding and Closing Church Insurance Coverage Gaps

05/13/2026

Imagine this: a visiting youth group uses your church’s van for a weekend retreat. There’s an accident. When your church leadership calls the insurance company to report the claim, you discover that when the van is loaned out, coverage defaults to the state minimum liability.  The coverage you …

Put This Guidance to Work

Reading is a great start. A short conversation about your church’s coverage is even better—no pressure, no jargon.