Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

Thousands of New Churches Open Every Year | Houses of Worship Insurance Product Highlight

Published on February 25, 2019

Religion and gatherings of worship are components of culture that have existed for as long humans have. While religion may or may not play as active a role today as it has at some points in the United States, there are still countless numbers of Houses of Worship that join the ranks every year in our country.

Though the official count is hard to track because of the fluidity of these religious centers, Hartford Institute estimates there are approximately 350,000 religious congregations in the United States currently.

“This estimate relies on the RCMS 2010 religious congregations census. Of those, about 314,000 are Protestant and other Christian churches, and 24,000 are Catholic and Orthodox churches.  Non-Christian religious congregations are estimated at about 12,000.”

In each of these Churches and other Houses of Worship, there’s a lot that happens behind the scenes. In many ways, running a church is similar to running a small business. One leader of the organization (whether that be a pastor, priest, or another leader) is often responsible for a huge variety of items — everything from service preparation to visiting the sick to meeting with congregation members to managing the building and the budget… The list goes on and on.

So for those in your area that work away, dedicating their lives to help the community, we want to make sure an unexpected “Act of God” (as we call it in the insurance world) doesn’t knock them off their ministerial feet.

We have wholesale Church Insurance markets to meet your insurance customers’ needs. But the need doesn’t end at the denominational Christian churches or the Catholic church — our Houses of Worship Insurance product is for a variety of religious groups and centers. We’re here to help you offer the coverage they need.

Also, All New Houses of Worship Insurance risks you bind during our USLI New Business Promotion can earn you more money! 

Houses of Worship Insurance Product Highlights


  • General Liability
  • Property coverage
  • Directors & Officers Liability with optional Employment Practices Liability

General Liability:

    • Pastoral Professional Coverage (up to 1M limits)
    • Abuse & Molestation sublimit at no additional cost
    • Personal and Advertising coverage
    • Hired and Non-Owned Auto Liability coverage available
    • No Assault and Battery exclusion
    • No Designation Premises endorsement
    • No General Liability Deductible

Property Features:

    • Value Plus Endorsement – 14 valuable coverage enhancements including; $25,000-fine arts, $10,000-signs, $10,000-transit, $5,000-money & securities, $5,000-employee dishonesty, and more
    • Special Cause of Loss Form
    • Optional Equipment Breakdown – includes free boiler inspection if required in your jurisdiction

Directors & Officers/ Employment Practices Features:

    • Separate Limits of Liability
    • Unlimited Defense Costs outside the limit
    • Full Prior Acts
    • Automatically includes 3rd party Discrimination and Harassment
    • Lifetime Occurrence Reporting Period for former Directors & Officers
    • Free Human Resources Hotline with unlimited number of calls and no time limits (when EPL is purchased)

Additional Advantages:

    • Quick quote turnaround
    • Quick binder confirmation
    • A.M. Best rated A++ carrier
    • Low minimum premiums
    • For reference on what info is needed to quote, see the House of Worship supplemental HERE.

For Fastest Turn-Around:

Quote by Phone At 888-845-1626

Or Quote Online HERE Now.



Abram Interstate Insurance Services, Inc., CMGA is a Certified Managing General Agent & Wholesaler with expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas.

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