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KBD is a business insurance broker with over 40 years of industry expertise.

Our brokers provide the expert guidance needed to find you the right coverage at the best rate.

We compare rates from Canada’s leading commercial insurance companies

Church insurance products we provide

Commercial liability insurance

CGL insurance protects you in the event that your business causes personal injury or property damages to a third party.

Professional liability insurance

Also known as errors and omissions insurance, this coverage protects you and your business against claims of professional negligence.

Commercial property insurance

Church property insurance is essential for protecting your establishment, and the equipment and religious artifacts stored there.

Our clients say it best

We take pride in providing a 5-star service
Leah N.

“Great service, very easy and well explained procedures and information needed for insurance. Jordan was great to work with, and had excellent communication skills. 10/10 recommend.”

Shawn B.

“Greg is always making sure all my insurance needs are covered. Excellent service and very responsive.. thanks again!”

Nathan T.

“My first time ever getting insurance for a car and it was super simple. I spoke to Erika who was super nice and answered all my questions, and provided everything I needed!”

Brian B.

“Great experience. As a new to Quebec driver who just bought a car I got my insurance processed over the phone in less than 20 minutes. Very efficient, easy to understand and good coverage.”

Get covered with church insurance today.

Church insurance - FAQs

What is church insurance?

In Canada, church insurance is a specialized type of coverage designed to protect religious organizations from various risks.

It typically includes general liability insurance to cover accidents like slip-and-falls, property damage, and liability claims related to church activities.

Additional coverages include protection for the building, contents, flood, earthquake, and sewer backup, as well as coverage for money, donations, and any sponsored events.

Specialized options like abuse liability, directors and officers liability, and commercial auto insurance can also be included in the church insurance policy based on the building’s specific needs​.

Need a church insurance quote?

Call us.

What kind of insurance does a church need?

In general, churches in Canada should have several types of insurance coverage in place to protect against various risks. 

Here are the main coverages to consider:

  • General liability insurance: This covers claims of bodily injury or property damage on church premises.
  • Property insurance: This protects church buildings and contents from damage due to fire, theft, or natural disasters.
  • Professional liability insurance: This protects against claims of negligence in counseling or pastoral services.

Additional coverages may also include:

  • Directors and officers (D&O) insurance: Covers legal costs for claims against church leadership for wrongful acts.
  • Automobile insurance: This covers commercial vehicles used by the church.
  • Abuse insurance: Although rare, this protects churches by providing financial coverage and legal defense against claims of misconduct or abuse.
  • Event insurance: Covers potential liabilities and financial losses associated with accidents, property damage, or injuries that may occur during church-hosted events.
  • Commercial crime insurance: Covers financial losses resulting from crimes such as theft, fraud, or embezzlement committed by employees or third parties.

The best way to know what type of church insurance is required is to speak with a commercial insurance professional. 

At KBD, we specialize in business insurance for all kinds of corporations, including churches and other places of worship.  

Give us a call today for a quote. 

We’ll be happy to help.

Call us.

Do churches have higher insurance premiums than other buildings?

It depends, as each church has a different building, number of patrons, and more. 

In general, churches may have higher insurance premiums than other building types due to their unique risks and usage. 

For example, premiums are affected by the age and construction materials of church buildings, the presence of valuable items like stained glass windows and organ pipes, and the frequency of public gatherings. 

On top of this, churches often have community outreach programs and events, which increases liability risks. 

Commercial insurance companies take these aspects into account when determining premiums, which can lead to higher costs compared to standard commercial buildings. 

However, as mentioned, premiums always vary based on individual church circumstances and risk management practices.

A broker can determine the exact cost to expect by shopping the market and comparing quotes. 

Need a church insurance quote?

Call us.

What equipment is typically covered with church insurance?

Church insurance typically covers a wide range of equipment and property. 

This includes buildings and structures, musical instruments (like organs and pianos), sound systems, audiovisual equipment, computers, office furniture, and religious artifacts. 

Coverage often extends to outdoor property such as signs, fences, and playground equipment. 

Additionally, policies may include protection for items used in worship services and community activities. 

Having comprehensive coverage in place helps churches to safeguard their assets against risks such as theft, vandalism, fire, and natural disasters.

A commercial broker with expertise in church insurance can answer any specific questions you may have. 

If your church is based in Ontario or Quebec, the brokers at KBD will be happy to help. 

Need a church insurance quote?

Call us.

How much does church insurance cost?

Short answer? As with all insurance policies, it depends.

The cost of church insurance in Canada varies widely based on factors including the size and age of the building, location, coverage limits, and specific risks. 

Typically, small churches might pay around $1,000 to $2,500 annually, while larger churches with extensive properties and higher risks could see premiums ranging from $5,000 to $10,000 or more. 

Policies can be customized to fit churches’ needs and budget, ensuring they’re protected against potential losses while also managing costs effectively.

Our brokers can tailor the correct insurance coverage for your needs. 

Need church insurance coverage?

Call us.

What factors influence the cost of church insurance?

No two insurance premiums are exactly the same, and that goes for church insurance as well. 

The cost of church insurance in Canada is influenced by several key factors:

  • Location: Urban churches often have higher premiums due to increased risks like theft and vandalism.
  • Building size and age: Larger and older buildings may face higher costs due to greater maintenance needs and higher risk profiles.
  • Coverage type: Different coverage types, such as property, liability, or specialized event insurance, affect the overall cost.
  • Claims history: A church with fewer past claims may enjoy lower premiums.
  • Security measures: Enhanced security, including alarm systems and fire protection can reduce risks and lower insurance costs.
  • Usage and activities: Churches that host events or community activities might have higher premiums due to increased liability.
  • Replacement value: The estimated cost to rebuild or repair the church impacts the insurance premium.

At KBD, we shop the market for you to compare church insurance quotes and secure the right coverage at the best rate. 

Need church insurance coverage?

Call us.

Do all places of worship need insurance?

Churches and other centers for worship are usually registered as either charities or non profit corporations in Canada. 

If it’s registered as a non profit organization, a church is considered a business, and if it’s a charity, it’s still recommended to have specific commercial coverages. 

While businesses in Ontario and Quebec aren’t required by law to carry insurance, it provides financial protection in the event of a claim. 

Overall, it’s recommended that churches purchase commercial insurance just like any other business. 

This can help to avoid the financial consequences of claims of liability from employees, volunteers, or parishioners. 

Plus, business insurance packages can be specifically tailored to the risks associated with a particular church’s operation and building structure. 

The best way to know what kind of coverage you’ll need is to speak with an insurance broker. 

They can answer any questions you may have. 

Looking for a church insurance broker? We can help.

Call us.

Do churches need public liability insurance?

Yes, public liability insurance for churches is recommended.

Also known as commercial general liability insurance, this coverage protects against claims of bodily injury or property damage that occur on church premises or during church activities.

For example, if a visitor slips and falls or if church property accidentally damages a neighboring property, public liability insurance covers legal fees and compensation costs. 

This insurance is crucial for managing risks associated with public gatherings and ensuring the church can operate smoothly without facing significant financial burdens from unexpected incidents. 

At KBD, we work with several commercial insurance companies to provide church liability coverage that protects against these risks. 

Need church insurance quotes?

Call us.

What to ask when choosing a church insurance provider?

Finding church insurance providers who understand the ins and outs of your establishment is an important part of getting properly insured.

When choosing a company to provide you with church insurance in Canada, be sure to ask the following:

  • Coverage details: What types of coverage are included (liability, property, etc.)?
  • Claims process: If I need to submit a claim, what can I expect the process to be like?
  • Experience: Does the provider have experience with church insurance and understand specific risks?
  • Cost: What are the premiums, deductibles, and any additional fees?
  • Customization: Can the policy be tailored to the unique needs of your church?
  • Reviews: Before you commit to an insurance provider, it can be a good idea to check out their online reviews. This is a good way to get an unbiased opinion of customer satisfaction.   

By being proactive and asking these questions ahead of time, you can get a better idea of what to expect from a particular company as an insurance client. 

Our commercial brokers at KBD will be happy to help find you the right coverage for specialized church policies.

Get church insurance today.

Call us.

Why is it important for churches to buy insurance?

Most churches function as non profits, and any insurance claims could significantly affect their ability to pay staff and maintain their community services. 

With this in mind, insurance is a smart safety net for churches to protect against unexpected risks like fire, theft, vandalism, and natural disasters. 

It provides financial support for repairing or replacing damaged property, covering legal liabilities, and allowing for continued operations during disruptions. 

Additionally, insurance safeguards the church’s assets, including buildings, valuable artifacts, and essential equipment. 

By having comprehensive insurance, churches can focus on their community services with peace of mind, with protection from potential financial hassles.

Looking for insurance for a church?

Call us.

Why is church insurance so expensive?

Insurance coverage for churches can be expensive due to their unique risks and the high-value assets often stored in these buildings. 

For instance, churches are often large, older buildings that are costly to repair or replace. Some of them may also be heritage buildings, which have particular requirements when it comes to replacement and repairs. 

Additionally, they house valuable items like stained glass windows, musical instruments, and historical artifacts. 

The range of activities hosted by churches, from community events to daycare services, can also increase liability risks. 

That said, the cost of comprehensive church coverage reflects these factors, ensuring well-rounded protection against property damage, theft, liability claims, and natural disasters, which can be financially devastating without adequate insurance coverage.

So, while church insurance may be expensive, especially for larger congregations, it can save the organization from having to pay out of pocket in the event of a claim. 

Need church insurance coverage?

Call us.

How can I get church insurance through KBD?

KBD provides insurance coverage to churches and other places of worship based in Quebec and Ontario. 

You can get insured with us simply by requesting a personalized quote by calling our office. 

Our brokers will assess the church building insurance requirements and its operations to find you the appropriate coverage. 

If you’re looking for church insurance in Ontario or Quebec, we can help.

Speak with the team at KBD today.

Call us.

What is church insurance?

In Canada, church insurance is a specialized type of coverage designed to protect religious organizations from various risks.

It typically includes general liability insurance to cover accidents like slip-and-falls, property damage, and liability claims related to church activities.

Additional coverages include protection for the building, contents, flood, earthquake, and sewer backup, as well as coverage for money, donations, and any sponsored events.

Specialized options like abuse liability, directors and officers liability, and commercial auto insurance can also be included in the church insurance policy based on the building’s specific needs​.

Need a church insurance quote?

Call us.

Do all places of worship need insurance?

Churches and other centers for worship are usually registered as either charities or non profit corporations in Canada. 

If it’s registered as a non profit organization, a church is considered a business, and if it’s a charity, it’s still recommended to have specific commercial coverages. 

While businesses in Ontario and Quebec aren’t required by law to carry insurance, it provides financial protection in the event of a claim. 

Overall, it’s recommended that churches purchase commercial insurance just like any other business. 

This can help to avoid the financial consequences of claims of liability from employees, volunteers, or parishioners. 

Plus, business insurance packages can be specifically tailored to the risks associated with a particular church’s operation and building structure. 

The best way to know what kind of coverage you’ll need is to speak with an insurance broker. 

They can answer any questions you may have. 

Looking for a church insurance broker? We can help.

Call us.

What kind of insurance does a church need?

In general, churches in Canada should have several types of insurance coverage in place to protect against various risks. 

Here are the main coverages to consider:

  • General liability insurance: This covers claims of bodily injury or property damage on church premises.
  • Property insurance: This protects church buildings and contents from damage due to fire, theft, or natural disasters.
  • Professional liability insurance: This protects against claims of negligence in counseling or pastoral services.

Additional coverages may also include:

  • Directors and officers (D&O) insurance: Covers legal costs for claims against church leadership for wrongful acts.
  • Automobile insurance: This covers commercial vehicles used by the church.
  • Abuse insurance: Although rare, this protects churches by providing financial coverage and legal defense against claims of misconduct or abuse.
  • Event insurance: Covers potential liabilities and financial losses associated with accidents, property damage, or injuries that may occur during church-hosted events.
  • Commercial crime insurance: Covers financial losses resulting from crimes such as theft, fraud, or embezzlement committed by employees or third parties.

The best way to know what type of church insurance is required is to speak with a commercial insurance professional. 

At KBD, we specialize in business insurance for all kinds of corporations, including churches and other places of worship.  

Give us a call today for a quote. 

We’ll be happy to help.

Call us.

Do churches need public liability insurance?

Yes, public liability insurance for churches is recommended.

Also known as commercial general liability insurance, this coverage protects against claims of bodily injury or property damage that occur on church premises or during church activities.

For example, if a visitor slips and falls or if church property accidentally damages a neighboring property, public liability insurance covers legal fees and compensation costs. 

This insurance is crucial for managing risks associated with public gatherings and ensuring the church can operate smoothly without facing significant financial burdens from unexpected incidents. 

At KBD, we work with several commercial insurance companies to provide church liability coverage that protects against these risks. 

Need church insurance quotes?

Call us.

Do churches have higher insurance premiums than other buildings?

It depends, as each church has a different building, number of patrons, and more. 

In general, churches may have higher insurance premiums than other building types due to their unique risks and usage. 

For example, premiums are affected by the age and construction materials of church buildings, the presence of valuable items like stained glass windows and organ pipes, and the frequency of public gatherings. 

On top of this, churches often have community outreach programs and events, which increases liability risks. 

Commercial insurance companies take these aspects into account when determining premiums, which can lead to higher costs compared to standard commercial buildings. 

However, as mentioned, premiums always vary based on individual church circumstances and risk management practices.

A broker can determine the exact cost to expect by shopping the market and comparing quotes. 

Need a church insurance quote?

Call us.

What to ask when choosing a church insurance provider?

Finding church insurance providers who understand the ins and outs of your establishment is an important part of getting properly insured.

When choosing a company to provide you with church insurance in Canada, be sure to ask the following:

  • Coverage details: What types of coverage are included (liability, property, etc.)?
  • Claims process: If I need to submit a claim, what can I expect the process to be like?
  • Experience: Does the provider have experience with church insurance and understand specific risks?
  • Cost: What are the premiums, deductibles, and any additional fees?
  • Customization: Can the policy be tailored to the unique needs of your church?
  • Reviews: Before you commit to an insurance provider, it can be a good idea to check out their online reviews. This is a good way to get an unbiased opinion of customer satisfaction.   

By being proactive and asking these questions ahead of time, you can get a better idea of what to expect from a particular company as an insurance client. 

Our commercial brokers at KBD will be happy to help find you the right coverage for specialized church policies.

Get church insurance today.

Call us.

What equipment is typically covered with church insurance?

Church insurance typically covers a wide range of equipment and property. 

This includes buildings and structures, musical instruments (like organs and pianos), sound systems, audiovisual equipment, computers, office furniture, and religious artifacts. 

Coverage often extends to outdoor property such as signs, fences, and playground equipment. 

Additionally, policies may include protection for items used in worship services and community activities. 

Having comprehensive coverage in place helps churches to safeguard their assets against risks such as theft, vandalism, fire, and natural disasters.

A commercial broker with expertise in church insurance can answer any specific questions you may have. 

If your church is based in Ontario or Quebec, the brokers at KBD will be happy to help. 

Need a church insurance quote?

Call us.

Why is it important for churches to buy insurance?

Most churches function as non profits, and any insurance claims could significantly affect their ability to pay staff and maintain their community services. 

With this in mind, insurance is a smart safety net for churches to protect against unexpected risks like fire, theft, vandalism, and natural disasters. 

It provides financial support for repairing or replacing damaged property, covering legal liabilities, and allowing for continued operations during disruptions. 

Additionally, insurance safeguards the church’s assets, including buildings, valuable artifacts, and essential equipment. 

By having comprehensive insurance, churches can focus on their community services with peace of mind, with protection from potential financial hassles.

Looking for insurance for a church?

Call us.

How much does church insurance cost?

Short answer? As with all insurance policies, it depends.

The cost of church insurance in Canada varies widely based on factors including the size and age of the building, location, coverage limits, and specific risks. 

Typically, small churches might pay around $1,000 to $2,500 annually, while larger churches with extensive properties and higher risks could see premiums ranging from $5,000 to $10,000 or more. 

Policies can be customized to fit churches’ needs and budget, ensuring they’re protected against potential losses while also managing costs effectively.

Our brokers can tailor the correct insurance coverage for your needs. 

Need church insurance coverage?

Call us.

Why is church insurance so expensive?

Insurance coverage for churches can be expensive due to their unique risks and the high-value assets often stored in these buildings. 

For instance, churches are often large, older buildings that are costly to repair or replace. Some of them may also be heritage buildings, which have particular requirements when it comes to replacement and repairs. 

Additionally, they house valuable items like stained glass windows, musical instruments, and historical artifacts. 

The range of activities hosted by churches, from community events to daycare services, can also increase liability risks. 

That said, the cost of comprehensive church coverage reflects these factors, ensuring well-rounded protection against property damage, theft, liability claims, and natural disasters, which can be financially devastating without adequate insurance coverage.

So, while church insurance may be expensive, especially for larger congregations, it can save the organization from having to pay out of pocket in the event of a claim. 

Need church insurance coverage?

Call us.

What factors influence the cost of church insurance?

No two insurance premiums are exactly the same, and that goes for church insurance as well. 

The cost of church insurance in Canada is influenced by several key factors:

  • Location: Urban churches often have higher premiums due to increased risks like theft and vandalism.
  • Building size and age: Larger and older buildings may face higher costs due to greater maintenance needs and higher risk profiles.
  • Coverage type: Different coverage types, such as property, liability, or specialized event insurance, affect the overall cost.
  • Claims history: A church with fewer past claims may enjoy lower premiums.
  • Security measures: Enhanced security, including alarm systems and fire protection can reduce risks and lower insurance costs.
  • Usage and activities: Churches that host events or community activities might have higher premiums due to increased liability.
  • Replacement value: The estimated cost to rebuild or repair the church impacts the insurance premium.

At KBD, we shop the market for you to compare church insurance quotes and secure the right coverage at the best rate. 

Need church insurance coverage?

Call us.

How can I get church insurance through KBD?

KBD provides insurance coverage to churches and other places of worship based in Quebec and Ontario. 

You can get insured with us simply by requesting a personalized quote by calling our office. 

Our brokers will assess the church building insurance requirements and its operations to find you the appropriate coverage. 

If you’re looking for church insurance in Ontario or Quebec, we can help.

Speak with the team at KBD today.

Call us.

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