Feb 13 2026 18:58

Simplifying Church Property Placements for Insurance Agents

High-Limit Church Property Insurance | Up to $500M TIV

 

Are you an insurance agent looking for a strong, reliable market for church property insurance? We help retail agents place church and religious institution risks with confidence by offering substantial capacity, flexible underwriting, and streamlined claims handling — all through a single-carrier solution.

 

Whether you're insuring a single-location church or a multi-campus religious organization, we provide access to meaningful limits and specialized coverage built specifically for religious properties.

 

Property Insurance Capacity Built for Church Risks

 

Our  Property Insurance Program offers:

 

  • Up to $50M in Primary Limits
  • Ability to participate with a $50M piece on accounts up to $500M Total Insured Value (TIV)
  • Written as Primary or Excess Coverage
  • 100% of the first $50M available

 

This gives you the flexibility to place small, mid-sized and large church accounts — without scrambling for multiple carriers.

 

Why Agents Use This Church Insurance Program

 

This program was built to simplify and strengthen your church property placements. Our goal is to help you win more church accounts and retain them long-term.

 

Coverage Highlights
  • 100% Replacement Cost Coverage
  • Limited Access Facility options
  • Markets available for higher-risk properties (35K MP)
  • Ability to insure a schedule of multiple locations
  • Fast, single-carrier claims handling

 

Limits & Premiums
  • Total Insured Values up to $500M
  • Primary limits up to $50M
  • Competitive premium structure based on exposure
  • Ideal for churches and religious organizations with complex property schedules

 

Single-carrier claims mean fewer coverage disputes and faster resolution for your insureds — which protects your client relationships. Whether your client operates one sanctuary or multiple campuses, we can help structure the right solution.

 

Additional Church Insurance Coverages Available

 

Beyond property coverage, we can help you round out your church accounts with critical standalone protections.

 

Stand-Alone Sexual Misconduct & Molestation Coverage

A critical coverage solution designed to address one of the most sensitive liability exposures churches face today. Coverage features include:

  • Premises & Products Liability
  • Occurrence or Claims-Made forms
  • Excess coverage over policy sub-limits
  • Stand-alone policy structure

 

Directors & Officers (D&O) Coverage for Churches

A comprehensive coverage solution designed to protect church leadership from management-related claims that can impact the organization’s finances, leadership continuity, and public trust. Coverage includes:

  • Up to $10M in limits per coverage line
  • Most accounts placed between $500K and $2M
  • Up to $1M available for defense costs
  • Target revenue threshold: $50M or below

 

These allow you to strengthen coverage without disturbing existing placements. This is an excellent cross-sell opportunity to increase account retention and revenue.

 

Competitive Terms Start with a Simple Submission

 

We understand that retail agents don’t have time for drawn-out, complicated processes. That’s why, to get started, we only require the essentials:

 

  • ACORD Application
  • Loss Runs
  • Statement of Values (SOV)

 

That’s it. Our team moves quickly — and if any additional information is needed, we’ll reach out right away so there are no delays.

 

Let’s Win Your Next Church Account

 

When you need capacity, flexibility, and responsive underwriting for church risks, we’re ready to help. From high-limit property placements to standalone sexual misconduct and D&O solutions, we help retail agents compete — and win.

 

➥ Send your church risk to submissions@soudersgroup.com today and let’s build your book together.