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Allstar Financial Group
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Allstar Financial Group
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Church Insurance

Church Insurance Program from Allstar Financial Group


Allstar Financial Group offers a comprehensive Church Insurance program designed to meet the unique needs of religious institutions. We understand that church administrators and officers often don't have the time or expertise to navigate complex insurance requirements. That’s where we come in—our team of underwriters makes it easy for agents and brokers like you to secure tailored coverage for your church clients quickly and efficiently.

Whether you're working with a small community church or a larger religious organization, our program offers flexible options that can be customized to fit a wide range of property and liability exposures. With both monoline and package solutions available, you can confidently place accounts that require property, general liability, or umbrella coverage—all in one place.

Ideal Accounts and Appetite


This program is specifically designed for churches and religious institutions but also extends to businesses in the following risk categories:
  • Contractors
  • Habitational properties
  • Offices
  • Vacant properties
  • Retail and Wholesale businesses
  • Institutional facilities

You might have a client such as a mid-sized church with a daycare facility, or a religious organization looking to insure multiple properties across different locations—both would be excellent fits for our program. We can accommodate Total Insured Values (TIV) up to $5 million per location.

Coverage Highlights and Advantages

Property Coverage
  • TIV up to $5 million per location
  • Available as monoline or packaged policies
  • No coinsurance options (varies by risk)
  • Optional coverage enhancements
  • Equipment breakdown coverage
Casualty Coverage
  • Available as monoline or packaged policies
  • Minimum premiums starting at $500
  • Primary limits up to $5 million/$5 million
  • Project-specific policies offered
  • Uninsured subcontractors accepted
  • Optional enhancements including:
  • Blanket additional insured
  • Waiver of subrogation
  • Primary non-contributory
  • Per project/per location aggregate
  • Hired & Non-Owned Auto (for certain classes)
  • Miscellaneous professional liability (for certain classes)
Umbrella Coverage
  • Limits up to $5 million
  • Minimum premiums starting at $750
  • Supported and unsupported options available

Underwriting Notes and Minimum Premiums


Our underwriting team is flexible and ready to work with you to structure competitive solutions, especially for small to mid-size church accounts. Minimum premiums start at $500 for casualty coverage and $750 for umbrella coverage. Underlying carrier requirements include:
  • AM Best rating of A-VI or better for Auto or General Liability
  • AM Best rating of B++ or better for Employers Liability
  • General Liability limits of $1M/$2M/$2M

Territories and Availability


This Church Insurance program is available in the following states:
AL, GA, LA, MS, NC, SC, TN, VA

Most coverages are placed on a non-admitted basis, allowing for more flexibility in underwriting and policy customization.

Why Work with Allstar Financial Group?


Allstar Financial Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with access to multiple carriers. Our experienced underwriters specialize in niche markets like churches and other institutional risks. We provide fast turnaround, competitive pricing, and tailored solutions to help you close more business. Whether you're placing a single location or a multi-site organization, our team is here to support your success.

Frequently Asked Questions

What types of accounts are a good fit for this Church Insurance program?

This program is ideal for churches, religious institutions, and related properties. It also supports risks like contractors, habitational, office, retail, and wholesale settings.

Is this program admitted or non-admitted?

The program is primarily offered on a non-admitted basis in most available states, allowing for more flexible underwriting and customized coverage terms.

What is the minimum premium for this program?

Minimum premiums start at $500 for casualty coverage and $750 for umbrella coverage, though pricing may vary based on risk type and location.

Can this program handle multiple church locations?

Yes, the program can accommodate multiple locations with TIVs up to $5 million per site and offers per location aggregates where needed.

Which states is this program available in?

The Church Insurance program is currently available in AL, GA, LA, MS, NC, SC, TN, and VA.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter and Excess & Surplus Lines Broker
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
    A
  • Commission:
    -
  • Min Premium:
    varies

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CONTACT INFORMATION

LOCATION

600 NC Hwy. 42 West
Clayton, NC 27520
877-950-3222
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Allstar Financial Group has other insurance programs like Apartment/Condo Insurance.