Church and Non-Profit Insurance

Our Services

More Information

Reach out for expert insurance support and personalized solutions.

Your Church & Non-Profit Insurance Agent In Chattanooga, TN

Churches, schools, and non-profit organizations face a unique set of risks that general commercial insurance policies are simply not designed to address. From counseling liability and volunteer activities to religious freedom exposures and multi-site operations, the coverage needs of a faith-based organization require specialized expertise – and a partner who understands your mission. Hallmark Insurance has been exclusively serving churches, schools, and ministries for over 60 years, and it remains the cornerstone of who we are and what we do.

Why General Insurance Is Not Enough

In recent years, general market carriers have entered the church and ministry insurance space, often offering attractive pricing. While competitive options are always welcome, these carriers frequently lack the ministry-specific coverages that faith-based organizations truly need. A policy that appears adequate on the surface can leave dangerous gaps – gaps that only become visible at the worst possible moment, when a claim is filed.

Beyond coverage adequacy, general carriers tend to enter and exit the ministry market based on their own financial pressures – leaving churches scrambling for coverage at renewal. In a market where non-renewals have become increasingly common, the stability and loyalty of our specialty ministry carriers is something we do not take lightly. Our carriers chose this market intentionally, and they have honored their commitments.

Specialized Coverage for Ministries That Are Doing Kingdom Work

1. A Policy That Fits You

Choosing the right policy isn’t just about meeting state requirements. It’s about making sure your coverage fits your exposure and risk tolerance.

2. Coverage You Need

Whether you lead a small congregation, a multi-site church, a Christian school, or a nonprofit ministry, you need a policy that covers your risk and protects your ministry.

3. More Coverage, More Options

Working with an independent agency can make a difference. With access to multiple insurance carriers, you can compare options and find coverage that balances protection and affordability.

4. Experienced Guidance

Business insurance should feel simple, not overwhelming. With the right guidance, you can confidently select a policy that keeps you covered no matter how large or small your company's risk is.

Fast & Easy Process

Our fast and easy process ensures quick policy setup

Customer-Focused

Friendly, professional support for all your insurance needs

What Our Church and Ministry Coverage Includes:

Church property insurance for buildings, contents, & personal property
General liability & premises liability coverage
Sexual misconduct & abuse liability
Counseling liability & pastoral professional liability
Directors & Officers (D&O) liability for church leadership
Volunteer & participant liability
Religious freedom & first amendment defense coverage
Security operations liability
Commercial auto for church-owned vehicles & buses
Workers' compensation for staff & clergy
Cyber liability for churches handling donor data
School & daycare liability for education ministries

A Partner Who Shares Your Values

At Hallmark Insurance, serving ministries is not just a market segment – it is a calling. Our team understands the operational realities of church life, school administration, and parachurch ministry. We bring specialized carrier relationships, deep coverage expertise, and a genuine commitment to protecting the organizations that are making a difference in our communities.