For churches, schools & ministries
Is Your Church Properly Covered?
Answer a few ministry-specific questions and get a personalized insurance coverage checklist for your church, school, daycare, outreach ministry, or nonprofit.
Free · Takes about 4 minutes · No quote, no sales pitch — just a checklist
Why this exists
Most churches aren't underinsured on purpose. They just don't know which ministry activities create insurance gaps.
A church policy usually starts with the building and general liability — and for many congregations, that's where the conversation ends. But insurance follows activity, not intention. The moment your church runs a nursery, sends a van to camp, accepts online giving, rents the fellowship hall for a wedding, or has a volunteer drive their own car to deliver meals, a new exposure exists — whether or not a coverage exists to match it.
Kids' programs raise abuse-liability questions most standard policies don't automatically answer. A board of elders makes decisions that can be challenged personally. A donor database is a cyber target. None of this means your church is doing anything wrong — it means your ministry has grown, and your coverage checklist should grow with it.
This tool asks about what your ministry actually does, then shows you the coverage categories worth reviewing — in plain English, with the questions to ask your agent.
Who it's for
Built for the people responsible when something goes wrong
Churches & church plants
From a rented storefront to a multi-building campus — the checklist adapts to what you actually operate.
Christian schools & daycares
Student programs carry the highest exposure profile of any ministry activity. Know what that requires.
Ministries & nonprofits
Food pantries, recovery ministries, outreach programs — activity-based coverage needs, mapped clearly.
Camps & event ministries
Overnight programs, recreation, transportation, and facility use each trigger their own review items.
How it works
Three steps to a board-ready checklist
Answer the questions
About four minutes covering your facilities, people, ministries, events, and vehicles. Mostly yes/no.
Get your checklist
A Coverage Need Score, your top likely gaps, and a full checklist with priorities — plus the exact questions to ask your agent.
Review with a specialist
Optionally, have a licensed church insurance specialist compare the checklist against your actual policy before your next renewal.
What this is — and isn't
Not a quote. Not legal advice. A coverage checklist.
Church Coverage Check never estimates prices, never asks about your budget to sell you something, and never pretends a website can replace a licensed professional. It does one job: translate what your ministry does into a plain-English list of coverages worth reviewing — so you walk into your next renewal informed instead of hopeful.
Common questions
Frequently asked questions
Is this a quote?
No. The tool never estimates premiums or prices. It produces an educational checklist of coverage categories to review with a licensed agent — nothing more.
Will you sell my information?
Your information is shared only with the specifically named licensed insurance agency shown at the consent step — and only if you check the box requesting follow-up. Details are in our privacy policy.
Do I need to enter contact info?
Not to see your results. Your Coverage Need Score and top three likely gaps appear immediately. Contact info unlocks the full checklist, the coverage-by-activity table, and the printable board report.
Who built this?
Church Coverage Check was built with input from church insurance specialists to help congregations understand coverage the way an agent would explain it across the kitchen table — before the renewal meeting, not during it.
How accurate is the checklist?
It's a starting point based on the activities you report — a well-organized agenda for a real conversation. Final coverage decisions always require a licensed insurance professional reviewing your actual policies, limits, endorsements, and exclusions.
