Church Insurance

Church insurance protects more than just the Church property, it protects your leaders and your membership with unique coverages specific to faith-based organizations.

Download Church Insurance Fact Sheet

Applicable Extensions

Every Red River Mutual commercial package includes an additional bundle of more than 50 extensions that provide
over $1,000,000 in extra coverage to meet your unique business needs.

Below are some of the key extensions we’ve added to our business policies:

  • 3D Crime Coverage (Employee Dishonesty, Loss Inside the Premises, Loss Outside the Premises, Money Orders and Counterfeit Paper Currency, Depositors Forgery, Computer Theft and Funds TransferAbuse Coverage)
  • Blanket Bylaws
  • Building Damage by Theft
  • Contents at Temporary Locations
  • Contents at Special Events
  • Conviction Reward
  • Coverage for Roadways, Walkways, Parking Lot Paved Surfaces, or Other Exterior Paved Surfaces
  • Debris Removal
  • Electronic Data Processing Equipment & Media Including Systems Breakdown
  • Exterior Building Glass (including stained glass)
  • Extra Expense
  • Fine Arts
  • Fire Department Expenses
  • Fire Suppression System Recharge
  • ‘Green’ Environment Extension
  • Growing Plants Trees Shrubs or Flowers in the Open
  • Headstones, Grave Markers and Mausoleums
  • Inflation Protection
  • Master Key / Lock Repair or Replacement
  • Newly Acquired Locations
  • Newly Acquired Property
  • Off-Premises Utilities Interruption
  • Pastor’s & Minister’s Liability
  • Personal Property of Officers, Employees, Volunteers, Congregation Members & Visitors
  • Professional Fees
  • Removal of Windstorm Debris
  • ‘Safety Net’ Clause
  • Sign Coverage
  • Tools Floater with 5yr Replacement Cost
  • Valuable Papers


  • Equipment Breakdown
  • Sewer Backup
  • Flood
  • Earthquake
  • Increased Abuse Coverage Limits
  • Director’s & Officer’s Liability
  • Actual Loss Sustained (Profits)
  • Increased Pastors & Ministers Liability Limits