Gateway Specialty Insurance offers a dedicated Church Insurance program designed for independent churches, as well as churches of all denominations and non-denominational congregations. As a wholesale broker with deep expertise in nonprofit and human services risks, Gateway Specialty provides access to comprehensive insurance solutions from A.M. Best "A" or better rated carriers, including USLI.
Ideal Accounts and Appetite
Gateway Specialty welcomes submissions for a wide range of church organizations, including:
- Independent churches with standalone locations
- Multi-location or growing congregations
- Denominational and non-denominational ministries
This program is designed to meet the unique exposures faced by religious institutions, including leadership liability, property protection, and professional liability related to pastoral counseling.
Coverage Highlights and Advantages
Available coverages include:
- Directors & Officers (D&O) Liability
- Employment Practices Liability (EPLI)
- General Liability
- Pastoral Professional Liability
- Property Coverage
- Commercial Auto
- Workers Compensation
These coverages can be packaged to provide a complete risk management solution for church operations, leadership, staff, volunteers, and physical assets.
Underwriting Notes and Minimum Premiums
Minimum premiums start at $1,550 for a combined General Liability, Property, and D&O with EPLI package. Gateway Specialty offers fast turnaround and flexible underwriting, making it easy for agents to get quotes quickly by submitting applications or ACORDs.
There is no production commitment or contract required to submit business, and both agency-bill and direct-bill options are available depending on the carrier.
Territories and Availability
This Church Insurance program is available in all 50 states and Washington, DC, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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, WI, and WY.
Why Work With Gateway Specialty Insurance?
Gateway Specialty Insurance specializes in placing nonprofit, allied healthcare, and niche industry risks through a streamlined, broker-friendly process. With deep expertise, responsive service, and access to top-rated carriers like USLI, Gateway makes it simple for agents and brokers to place church accounts.
You might have a client who runs a small independent church with limited staff and volunteers, or a mid-sized ministry offering counseling and youth outreach. These are ideal fits for this program.
To obtain a quote, please email applications or ACORDS to [email protected] or contact Anthony Vellutato at 877-977-4474 extension 7044 or [email protected] with questions.
We specialize in writing allied healthcare, nonprofit and technology accounts. Low minimum premiums, no contract or premium commitment and expert account management make getting and selling a quote easy. Agency bill and direct bill is available with several of our admitted markets.
Frequently Asked Questions
What types of accounts are a good fit for this Church Insurance program?
Independent churches, non-denominational ministries, and traditional congregations of all sizes are ideal submissions. Churches offering counseling, youth programs, or community outreach are also strong fits.
What coverages are included in the program?
The program offers General Liability, Property, Directors & Officers, Employment Practices Liability, Pastoral Professional Liability, Auto, and Workers Compensation coverage.
How do I get a quote for my church client?
You can email applications or ACORDs directly to Gateway Specialty or contact their underwriter for more information. Fast turnaround is available with complete submissions.
Is this program available in my state?
Yes, the Church Insurance program is available in all 50 states and Washington, DC.
Do I need to sign a contract to submit business?
No contract or premium commitment is required to submit accounts to Gateway Specialty Insurance.
Need help placing an account? Connect with a market specialist.