Comprehensive Insurance for Religious Institutions from CMS, LLC
Religious institutions face unique risks that require specialized insurance solutions. As a wholesale broker with access to A-rated admitted carriers, CMS, LLC offers a comprehensive Religious Institutions Insurance Program designed to protect churches, temples, mosques, synagogues, and other faith-based organizations. We help agents and brokers place coverage that meets the complex needs of these clients—at competitive rates and with broad protection.
Ideal Accounts and Appetite
This program is designed for a wide range of religious institutions, including traditional places of worship, religious schools, ministries, and retreat centers. Whether your client is a small community church or a multi-building campus with outreach programs, CMS, LLC can help you find the right coverage fit. Qualified accounts may include:
- Churches and chapels of all denominations
- Temples, mosques, and synagogues
- Faith-based schools and daycare centers
- Missionary and outreach organizations
- Religious retreats and camps
Coverage Highlights and Advantages
Our program offers a wide array of tailored coverages to address the specific exposures faced by religious institutions:
Commercial Liability
- Comprehensive General Liability with $1,000,000 primary limits
- Volunteers and congregation members included as additional insureds
- Medical Payments for volunteers
- Optional coverage for Athletic Participants
- Sexual Misconduct Liability available for qualified accounts
- Pastoral Counseling Professional Liability
- Directors & Officers Liability for religious leadership
- Employee Benefits Liability
- Umbrella Limits up to $10,000,000
Commercial Property
- Broadened property definition including stained glass, altars, organs, bells, statues, and more
- Coverage for yard fixtures, playground equipment, fences, awnings, signage, and storage buildings
- Business Income and Extra Expense coverage for up to 12 months
- Blanket Coverage, Agreed Value, and Inflation Guard options
- Equipment Breakdown protection
- Personal Effects and Property of Others
- Business Personal Property of Clergy
- Dwelling Coverage Extensions
- Building Ordinance and Law Coverage
- Additional Enhancement Coverages available
Inland Marine
- Fine Arts
- Accounts Receivable
- Valuable Papers and Records
- Builders Risk
Commercial Auto
- Non-Owned Auto coverage for volunteers
- Coverage available for 15-passenger vans (qualified accounts)
Underwriting Notes and Considerations
This program is available through A-rated admitted carriers and is designed to accommodate a wide range of religious institutions. While there is no stated minimum premium, underwriting is case-by-case, and eligibility is based on the risk profile and operations of the institution. Coverage for sensitive exposures such as sexual misconduct and 15-passenger vans is available for qualified accounts.
Territories and Availability
The Religious Institutions Insurance Program is available in the following states: AL, CA, CT, FL, GA, IL, KY, ME, MA, MI, NH, NJ, NY, NC, PA, RI, SC, TX, VT, VA, and DC. CMS, LLC continues to expand its reach and provide solutions across a broad geographic footprint.
Why Work With CMS, LLC?
CMS, LLC brings deep expertise in specialty insurance programs and offers access to top-tier markets. We understand the specific exposures faced by religious institutions and provide tailored solutions that help agents serve their clients with confidence. Our team works closely with producers to deliver responsive service, competitive pricing, and comprehensive protection for faith-based organizations.