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Church Insurance

To meet the special needs of your church, Madison Insurance Agency of Richmond has partnered with leading insurance carriers in the country for places of worship.  These carriers offer standard Church policies that include Property and Liability coverages.   These coverages include Items such as your buildings, contents, signs, property in the open, and fences. If needed, these policies can also include:


  • Equipment breakdown, including computers, boilers, and electrical equipment
  • Newly acquired or constructed property
  • Pastor's personal property
  • Ordinance or law
  • Stained glass windows
  • Personal Effects and property of others on a worldwide basis
  • Fire and security alarm upgrade
  • Utility services interruption
  • Automated external defibrillators (AED)
  • Loss of church income and tuition fees resulting from a covered peril, including a violent incident
  • Earthquake sprinkler leakage
  • Computer fraud coverage by non-employees
  • Losses resulting from theft, employee dishonesty, forgery and alteration
  • Green upgrade coverage
  • Unique types of property and possessions of artistic merit
  • Key person replacement coverage
  • Limited flood coverage
  • Liability claims resulting from ministers' spiritual counseling
  • Non-owned and hired auto liability
  • Counselors liability (licensed and fee-based)
  • Directors, officers and trustees officers liability
  • Employee benefits liability
  • Employment practices liability
  • Lost wages coverage
  • Sexual misconduct liability