Church Insurance in Texas

Religious organizations operate as community hubs, employers, and property owners all at once. To address this, Church Insurance bundles several essential protections into one cohesive plan. At David King Insurance, we tailor these policies to include:

• Property Insurance: Covers the sanctuary, offices, and classrooms against fire, wind, hail, and vandalism. This includes specialized protection for high-value items like stained glass, organs, and religious artifacts.
• General Liability Insurance: Protects your organization if a member or guest is injured on the premises during a service or community event.
• Pastoral Professional Liability: Provides defense and coverage for claims arising from spiritual counseling or guidance provided by church leaders.
• Directors, Officers, and Trustees Liability: Safeguards the personal assets of your church board and leadership from lawsuits alleging mismanagement or breach of fiduciary duty.
• Sexual Misconduct Liability: Offers vital protection and response resources in the event of an allegation involving a staff member or volunteer.
• Crime and Fidelity: Protects your church’s financial assets against employee dishonesty, forgery, or the theft of donations and offerings.

From the hail-prone regions of North Texas to the windstorms along the Gulf Coast, Texas weather is notoriously unpredictable. Churches often have unique architectural features—such as high steeples, expansive roofs, and antique glass—that are expensive to repair or replace after a storm.

Church Insurance ensures that your building is covered for its full replacement value, not just its market value. We also offer coverage for “Equipment Breakdown,” which protects the sophisticated sound systems, HVAC units, and electrical equipment that modern ministries depend on every day.