Overview — Apogee Insurance Group: Storefront Churches & Community Churches
Apogee Insurance Group’s Storefront Churches & Community Churches program is a non-admitted Excess & Surplus Lines solution tailored for smaller houses of worship and faith-based community organizations. The All-In-One Package is built to simplify placement by combining General Liability, Property, and Director & Officer coverages (with optional Employment Practices Liability) into a single program designed for common exposures faced by storefront and community churches.
Why use this program
- Streamlined, church-focused package that addresses liability and management exposures in one place.
- General Liability limits up to $5,000,000 and expanded Bodily Injury wording to include Mental Anguish and Emotional Distress.
- Available Director & Officer protection with Defense Outside the Limits, a Separate Limit of Liability, and an unlimited Extended Reporting Period for former directors and officers.
- Hired & Non-Owned Auto Liability and property coverage options for smaller facilities (property up to $500,000 and buildings up to 10,000 sq. ft.).
Ideal Accounts and Appetite
This program is a good fit for independent agents placing:
- Storefront churches and small community churches with limited property values and simple operations.
- Faith-based nonprofits that operate worship services, small outreach programs, and low-risk volunteer activities.
- Congregations seeking combined management liability (D&O) and liability/property protection in a single submission.
Typical accounts that fit: single-location churches under 10,000 sq. ft., modest on-site property values (up to $500,000), minimal high-risk programming (no overnight camps or large youth boarding). Accounts with higher hazard operations, multiple locations, or significant commercial activities may be referred to other markets.
Coverage Highlights
- General Liability: Limits available up to $5,000,000; expanded BI definition that includes mental anguish and emotional distress.
- Property: Coverage for building and contents up to $500,000; suitable for smaller facilities and storefront properties up to 10,000 sq. ft.
- Director & Officer Liability: Separate limit of liability, Defense Outside the Limits, and unlimited Extended Reporting Period for former directors and officers.
- Employment Practices Liability (EPL): Available as an option to D&O to address workplace claims.
- Auto: Hired & Non-Owned Auto Liability can be added for church volunteer drivers and related exposures.
Underwriting Notes
- Program is placed on a non-admitted (E&S) basis through Apogee Insurance Group and underwritten by United States Liability Insurance.
- Best suited for single-location churches with straightforward operations. Multi-location accounts or those with schools, daycares, residential programs, or extensive commercial activities will typically be outside appetite.
- Underwriters will review occupancy, fire protection, volunteer driver programs, background screening practices, and loss history. Clear documentation of risk management practices helps secure favorable terms.
- Because this is an E&S offering, filing and premium tax rules vary by state — confirm placement requirements with your compliance team.
Territories and Availability
Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.
Submission Guidance & Example Accounts
Submit a completed church application, current ACORDs where applicable, recent loss runs, and a description of programs and volunteer screening procedures. Typical turnaround times are competitive for E&S placements when you provide complete submissions.
Example accounts:
- A single-location storefront church (4,500 sq. ft.) with weekly services, a small food pantry outreach, and three paid staff — seeking GL $1M/$2M, D&O, and property coverage for contents and building improvements.
- A neighborhood community church that uses volunteer drivers for elder transportation and wants Hired & Non-Owned Auto Liability plus EPL for a small staff roster.
Why Work With Apogee Insurance Group on This Business
Apogee Insurance Group offers church-specific underwriting through a focused E&S program with United States Liability Insurance. The program combines liability, property, and management liability features commonly requested by congregations, and it is underwritten with church exposures in mind. If you place small to midsize houses of worship, this storefront program provides a streamlined option to cover both operational and management risks.
Frequently Asked Questions
What types of churches are a good fit for this program?
Single-location storefront churches and small community churches with facilities up to 10,000 sq. ft., modest property values, and limited high-risk activities are the core appetite.
What limits and coverages are commonly available?
General Liability limits up to $5,000,000, property coverage up to $500,000, D&O with Defense Outside the Limits and a Separate Limit of Liability, optional EPL, and Hired & Non-Owned Auto liability.
Is this an admitted program?
No. This is a non-admitted Excess & Surplus Lines program placed through Apogee Insurance Group and underwritten by United States Liability Insurance.
What underwriting information speeds the submission?
Provide a current application, recent loss runs, description of programs (youth activities, volunteer drivers, outreach), employee and volunteer screening policies, and property details (sq. ft., construction, protection). Complete files get faster responses.
Need help placing an account? Connect with a market specialist.