Whether you’re planting a new church or part of one decades old, one of the most important steps you can take is developing a church risk management checklist — enhancing protection for your people, property and mission.
Risk management is a process that helps evaluate and measure an organization’s potential risk exposure and capability to mitigate risk and care for the vulnerable. For churches and ministries, it’s no exception — as the stewardship of the resources and tools God has given us already informs our faith.
At GuideStone®, we’ve helped countless church plants and churches alike implement effective risk management strategies, enabling them to focus on ministry.
Here are ten practical tips to help your ministry learn to manage risk and build a secure foundation for your growing church.
Clear policies keep everyone on the same page. Facility use agreements and participant waivers help define responsibilities and prevent confusion. When expectations are documented, you reduce risk and build trust.
Accidents happen — even in small churches. Liability insurance provides peace of mind and shows your commitment to doing the right thing. It’s a simple step that can save you from major headaches later.
Children’s safety is non-negotiable. Require background checks, train your volunteers and enforce the two-adult rule. These safeguards protect kids and reassure parents that your ministry takes security seriously.
Your elders and volunteers give their time and energy to serve. Directors’ and officers’ liability coverage shields them from personal risk. It’s a practical way to honor their commitment and protect their reputation.
Whether your church meets in a rented facility or a building you own, make sure your property and improvements are covered under your policy. If something happens, you’ll want to recover those costs quickly so ministry can continue without disruption. Also, consider coverage for items kept at a rented facility or maintained elsewhere and transported during the week.
Even churches can face lawsuits. Understand what your policy covers for employees and volunteers, and consider extra protection if needed. Being prepared means you can focus on ministry instead of getting entangled in legal battles.
Meeting in homes feels personal — but it can come with risk. If someone gets hurt, who’s responsible? Ensure you have coverage that addresses these unique situations, so your ministry stays safe.
Volunteers often drive their own cars for church events. Non-owned auto insurance is an affordable option that protects your ministry in the event of an accident. It’s a small investment with significant benefits.
Your church’s online presence matters — and so does security. Utilize robust software and establish a plan for managing data breaches. Protecting digital information is just as important as safeguarding your building.
You don’t have to figure this out alone. Consult with Christian insurance professionals who understand the unique needs of churches and who can recommend affordable, ministry-focused solutions. Their experience can save you time and stress.
We understand that addressing church risk management can feel overwhelming when beginning your ministry work. That’s why, at GuideStone®, we come alongside you in every season of ministry to identify and mitigate risks, so you can focus on the Lord’s calling in your life.
For more information, contact us at AgencyServices@GuideStone.org or (214) 720-2868, Monday through Thursday, from 7 a.m. to 4:30 p.m. CT and Friday, from 7 a.m. to 4 p.m. CT.
Want more resources designed specifically for church planters and their teams? Visit GuideStone.org/ChurchPlantResources.
This article is for informational purposes only. It is not intended to be construed as legal advice. Readers should use this article as a tool, along with their best judgment and any terms or conditions that apply, to determine appropriate policies and procedures for your church’s risk management program.
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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• Jan 8, 2026 