Appetite Guide & FAQs
Who do we insure?
We're answering the top ministry care insurance questions from independent agents and brokers.
Let's talk about the ministry care appetite and insuring religious organizations.
Stepping into the world of ministry organizations is a meaningful journey, and we commend your dedication to supporting those who make a difference in their communities through faith and service.
With our deep expertise in ministry care insurance, we're here to guide brokers in understanding the unique needs of these organizations, identifying opportunities, and providing the right coverage to protect their mission and members. While we're sharing some foundational insights here, our team of distribution specialists, underwriters, and risk experts is always ready to assist you every step of the way.
Frequently asked questions
Glatfelter proudly serves a wide variety of beliefs, including Christian (denominational and non-denominational), Jewish, Islamic, and Hindu. We have marketing materials specifically designed for each faith.
Large or small, modern or traditional, we can write religious organizations of various sizes and risks. So, send us your large, complex risks, like mega churches with rock walls, fitness centers, and extra-large congregations, as well as the smaller church down the street. We can also write other types of faith-based risks, including communities that do not have a physical meeting location.
Our program is available in all states except Hawaii.
At Glatfelter, we have sales, underwriting, claims, and risk management associates dedicated to serving faith-based organizations every day. Your clients will have products and resources that are specifically designed around their daily operations and the unique situations they may not have thought about.
Just looking to write your home church? Let's do it! Unlike most other faith-based insurers, we're here to write big books of business and one-off accounts.
Most agents start by writing their own church, and then the church down the street, and so on. Once they realize the high retention rates of religious organizations (less than 10% carrier replacement), the opportunity to round-out accounts (Missionary travel, and more) and the availability (with roughly 350,000 religious congregations in the U.S.)—they're hooked!
Serving religious organizations also provides networking opportunities within their local communities and with board members of religious organizations—who are often business owners with other commercial and personal insurance needs.
We value our agent partners and are here to help! From specialized sales support to dedicated underwriters, we want to help you win and retain business.
At Glatfelter, we pride ourselves on being accessible and forming personal relationships with our brokers, while also giving you confidence in knowing that we're backed by a global carrier, AIG.
Numerous factors influence the price of a religious organization's insurance quote. Glatfelter may quote a price based on:
- Size of the building(s)
- Size of the congregation or number of members
- Claims history
- Your location and common risks of that area
We offer the following coverages for religious organizations.
- General Liability
- Automobile
- Excess Liability
- Property
- Crime
- Religious Counseling Services Liability
- Sexual Abuse and Molestation Liability
- Religious Expression Liability
- Religious Organization Management Liability
- Foreign Liability
- Employment Practices Liability
- Missionary Travel & Accident
- Broadcasting Liability
- Security Enforcement Liability
- Hired and Non-Owned Automobile Liability
Our Broker Support Team is dedicated to supporting independent agents and helping you find the resources you need. Please reach out to us with any questions—we're always happy to help.