Is Your Ministry Insured?

One of the interesting side effects of owning a church building is the volume of unsolicited mail that one gets from companies that specialize in church-and-ministry-oriented businesses; for example, see the above closeup of a postcard sent to us from a company that specializes in insuring ministries. It’s not a surprise that there are church/ministry-oriented businesses, of course; our building contractor is one of those and we went with them specifically because they understood the quirky needs of church buildings. There’s definitely a place for them. But one does not, I think, truly grasp the depth and breadth of the field until one is in possession of a church itself. Insurance is, shall we say, the tip of the iceberg.

That said, we’re unlikely to follow up on this insurer because as it happens, we are not intending a ministry to be housed in our church. We do have insurance on the building, of course, and as we develop our further plans for it, we’ll tweak our coverage to fit our needs. Those need probably won’t coincide with the needs of an actual ministry. I could be wrong, though. Maybe I’ll keep the postcard just in case.

— JS

By John Scalzi

I enjoy pie.

21 replies on “Is Your Ministry Insured?”

I worked in a church for a while. There are so many predatory businesses trying to make churches feel afraid, and thus in need of their particular scheme (generally a get-rich-quick scheme, sometimes a be-relevant-to-people-under-the-age-of-40 scheme; consistently scammy and bad, though). The magazines of vestments can be pretty entertaining/interesting, though?

Personally, I feel like ministry insurance, like the type of malpractice insurance that aims to cover doctors who do wrong, is immoral, unless it’s intended not to keep the ministry above water if they truly screw up, but to adequately compensate victims if they truly screw up. (I’d be fine with possibly some insurance to fund legal fees if they don’t screw up but have accusations, but it’d have to be very limited to “no, you really have to not have screwed up.”)

I dunno. You have a deity in-house (Athena), miraculous objects (six neck guitar) and a reputation for vanquishing trolls and other mythical creatures. That qualifies you more than most churches I can think of. =)

Like K C , I worked in a church and was alsl a Preacher’s Kid. I’ve seen a lot of scams trying to prey on church’s and ministers. Almost every church I’ve known has had a call, Pastor X used to use us, because it helps ———-. Hoping that the new guy will fall for the scam.
Insurance needs can be done through a licensed insurance agency.

My dad became the pastor of a church in a small town in the late 80s when I was in junior high. He was immediately deluged with mail from church-related businesses. The most interesting brochure he received was trying to get people to invest in a “Christian” satellite information service. They even tried to tie the satellite to a vision of an angel in the book of Revelation. Thinking back to it now as an adult, it was at best a poor investment if not a total scam.

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