Churches

Churches and religious organizations are not immune to the risks that face any property owner or employer — but they also carry exposures that are unique to faith-based organizations. Volunteer injuries, third-party liability from daycare or school programs, sexual misconduct allegations, and property damage to historic buildings are all exposures that standard commercial insurance programs may not adequately address. In Central New York, many church buildings are older structures with higher replacement costs, ornate features, and organ or bell tower coverage needs that require specialized property underwriting. If your church operates a daycare, school, food pantry, or after-school program, those activities create liability exposures beyond the typical Sunday service. Gillespie Insurance Agency works with churches and religious organizations of all denominations across Central New York. We understand that faith-based organizations operate on tight budgets and rely heavily on volunteers, and we build programs that address your actual exposures without charging for coverage you don't need.

A comprehensive church insurance program starts with a church property policy that covers your building, contents, and equipment — including stained glass, pipe organs, and other specialty items. General liability coverage protects against bodily injury and property damage claims arising from your services, events, and premises. Many insurers offer specialty church packages that also include directors and officers liability (protecting deacons, elders, and board members), employment practices liability, and sexual misconduct liability coverage. If your church operates programs for children or youth, abuse and molestation coverage is essential and should not be overlooked. For churches with paid staff, New York State requires workers compensation and disability benefits coverage. Volunteer accident coverage can be added to protect volunteers who are injured while serving. If you host community events or rent your facilities, special events liability and additional insured endorsements may also be needed.

Faith-based organizations deserve an insurance partner who understands the mission-driven nature of their work. At Gillespie Insurance Agency, we take the time to understand your congregation's programs, facilities, and volunteer activities before recommending any coverage. We work with specialty carriers that serve religious organizations nationwide and understand the nuances of church insurance. As an independent agency, we shop your coverage across multiple markets to find the most cost-effective solution. We also provide ongoing support — helping with certificate requests, claims, and coverage questions throughout the year. Call us at (315) 252-0694 or visit our Auburn, NY office. We are honored to serve the faith communities of Central New York.