We do more than insure your church. We protect your ministry.


Church Property


Our Commercial Package Policy (Multi-Peril Package) can be tailored to meet the specific needs of your church. It includes coverage for property, liability and crime. Other coverage options are available, as outlined below.

Property Coverage

  • Building and Contents
  • Extra Expense
  • Loss of Earnings
  • Property of Clergy
  • Crime (Dishonesty)

Optional Property Coverage

  • Earthquake
  • Flood
  • Cyber Security
  • Inland Marine Floaters
  • Fine Art
  • Musical Instruments and other property
  • Pastor’s Tenant Homeowners

Liability Coverage

  • Church Members and Employees
  • Ministers
  • Church Officials
  • Volunteers
  • Church-sponsored Activities
  • Products and Completed Operations
  • Personal Injury Liability (including medical payments)
  • Fire Legal Liability

Optional Liability Coverage

  • Pastoral Counseling
  • Directors & Officers
  • Sexual Misconduct
  • Emotional Injury
  • Employment Practices
  • Violent Acts
Automobile Insurance


The Business Automobile Policy provides protection for vehicles owned, rented or borrowed by your church. Because it’s so important, Southern Mutual Church Insurance provides the flexibility for you to select the policy that best fits your church’s specific needs.


  • Bodily Injury and Property Damage
  • Medical Payments
  • Uninsured Motorist
  • Underinsured Motorist
  • Non-owned and Hired Automobile

Physical Damages

  • Comprehensive Coverage
  • Collision Coverage
  • Rental Reimbursement
  • Towing & Labor Physical Damage
  • Rental Vehicle Coverage
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There’s no telling how or when an accident may occur. But when it does, it can cost a great deal in lost wages, hospital bills, and physical therapy – costs your church may not be able to pay.

What is Workers' Compensation

It is a comprehensive, no-fault approach to provide compensation and medical care to employees injured while working, relieving employers of liability from lawsuits involving negligence.

In most states, churches are required to carry Workers’ Compensation Insurance for their employees. Even where not required, worker’s compensation generally must be paid. Failure to pay state-mandated benefits can lead to costly fines or the possibility of legal action by an injured employee.

Compensation and Benefits

  • Lost Wages
  • Medical Expenses
  • Disfigurement
  • Employer’s Liability
  • Rehabilitation
  • Survivor Benefits for Fatal Injuries
Umbrella in the rain


Sometimes you want the added security of knowing that if a catastrophe occurs and a claim exceeds your primary limits, it can still be covered without causing extreme financial loss to your church. Umbrella/Excess Liability provides additional coverage over the Comprehensive Liability, Professional Liability, Business Auto Liability and Workers’ Compensation Employer’s Liability.

What is Umbrella/ExcessLiability?

Umbrella/Excess liability provides an additional layer of protection above the limits provided by your Commercial General Liability, Directors, Officers and Trustees’ Liability, Pastoral Counseling, Business Automobile Liability and Workers’ Compensation Employer’s Liability.

Do You Need Umbrella Liability?

Most churches face the risk that their church-sponsored activities could result in serious injury to others. Purchasing an Umbrella/Excess Liability policy can provide an inexpensive way to achieve additional protection.

How Much Do You Need?

Umbrella/Excess Liability policies are available in amounts of $1 million to $5 million of coverage. The amount that you need depends on the operations and activities of the church. Activities such as daycare, kindergarten, bus or van operations, after-school programs, ball teams and gyms should all be considered.