Property and Casualty Insurance

GuideStone® offers property and casualty insurance designed to fit the needs of your church or ministry.

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When the unexpected happens — fire, theft, accidents, liability claims — your ministry’s work can be disrupted in an instant. At GuideStone Agency Services® (NPN#11466614), we help safeguard your people, property and purpose so you can stay focused on your mission.

Ministry and Church Insurance Options

Property Insurance

Cover your buildings, property and belongings. If your ministry is damaged, destroyed or the victim of theft, this policy can help lessen financial burdens resulting from a loss.

Liability and Excess Liability Insurance

Guard your ministry, employees, leaders and volunteers from lawsuits, liabilities and losses. Also ensure that what makes your ministry unique is protected with excess liability insurance.

Commercial Auto

Provide coverage for people’s injuries and your ministry’s vehicles in the event of an accident. A commercial auto policy can help lessen financial burdens arising from vehicle liabilities, collisions, personal injury and more.

Workers' Compensation

Help employees who suffer from a work-related injury or illness by offering workers’ compensation to help pay for medical, disability, rehabilitation and, in rare instances, expenses associated with death on the job. Protect your ministry from financial loss in the event that an employee files a suit for a work-related injury or illness.

Frequently Asked Questions

What are the real claims our churches are seeing?

Based on recent claims data, the top claims our churches are seeing include wind damage, fire damage, hail damage, water damage, workers’ compensation, sexual acts liability and non-owned/hired car liability. We want to help you be proactive in protecting your ministry and those you serve. Learn More.

What issues should church board members be aware of?

The governing board of a church plays a key role in moving the ministry toward its goals. When you accept a position on the church board, you agree to guide the church and put its interests before your own. As a result, you will be held to a higher standard of accountability than your neighbors in the congregation.

What should our church do when a background check turns up a criminal record?

A good general rule is to use the same criteria followed by the local public school system. If the public school system is prohibited from employing the candidate, then your ministry would do well to avoid employing or involving the candidate. You can find out what criteria are used by contacting your local public school system directly or by enlisting the help of an attorney.

How does your policy cover special events and mission trips?

Separate policies can be purchased for both special events and mission trip coverage. When an accident occurs during church, school or camp activities, accident insurance plans will help by providing coverage for medical expenses associated with accidental injuries, with deductibles as low as $0. Regardless of where your mission takes you, travel insurance is essential. If you have a policy that covers these activities or would like to discuss a quote, please contact our team to discuss further.

See all FAQs

Risk Management Resources

Churches and ministry organizations like yours face a growing and overwhelming number of risks. Great protection goes beyond coverages — it also includes prevention. We designed these resources to empower and equip your ministry toward Christ-centered well-being. Read about developing policies and procedures, abuse prevention, safety and security, disaster preparation and response, overall risk management and more.

See All
Lightning flashes across the sky.
Article • 3/4/2026
6-Step Severe Weather Emergency Action Plan
Are you prepared to respond if severe weather strikes during a church service? Develop a six-step severe weather emergency action plan to help keep people safe.
A property and casualty claims adjuster assesses damages to start the P&C claims process.
Article • 9/3/2025
3 Tips for a Smoother Property and Casualty (P&C) Claims Process
Want to expedite claims and reduce hassles after experiencing property damage or loss? Discover three tips for a smoother P&C claims process.
The exterior of a small church that has property and casualty insurance.
Article • 9/13/2024
Admitted vs. Non-Admitted Insurance Carriers: Here’s the Difference
What’s the difference between admitted and non-admitted insurance carriers? Learn what sets them apart and evaluate the pros and cons based on your unique needs.

Already a Property and Casualty Ministry Partner?

Access your policy information anytime, anywhere. Visit MyCoverage Center via desktop or download the MyCoverage Center app — available now in the App Store and Google Play.

Access MyCoverage Center

Request a Ministry or Church Insurance Quote

Thank you for your interest in GuideStone property and casualty insurance solutions. To ensure timely processing and underwriting review, please submit your request at least 90 days prior to your desired coverage effective date.

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GuideStone Agency Services® is an agency licensed to sell property and casualty products and an affiliate of GuideStone®. Coverage and eligibility of various products are subject to the insurer’s underwriting guidelines, terms, conditions and exclusions. Products are not available in Hawaii and New York.

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