Faith Guard Insurance Program
Tailor-made insurance for religious organizations.
Your religious organization is dedicated to providing support, guidance and connection to your faith community. Through our Faith Guard program, we’ll help reduce the risks that could hinder your ability to meet the needs of your people.
We’re dedicated to your specific needs.
A specialty division of Acera Insurance, Faith Guard provides tailor-made, comprehensive insurance solutions to serve the unique insurance needs of religious and affiliated organizations. Our team has been insuring religious organizations for more than 40 years.
With access to more than 100 insurers and specialty underwriters, our expert Faith Guard brokers will create a customized, inclusive insurance program to protect your organization, community and property.
Who we help
Religious organizations
Community centres
Education centres
Healthcare providers
Immigration services
Non-profits
Places of worship
Social service providers
What we cover
Historic and aging buildings
Fine art and religious artifacts
Donated property and vehicles
Large passenger vans or buses
Fundraising and special events
Volunteers
Youth activities
Camps
Counselling services
Insurance to protect your property.
A gathering space is at the centre of every religious community and faith-based nonprofit. We provide coverage for places of worship, such as churches, synagogues, mosques, temples and gurdwaras. In addition to your place of worship, your property may also include facilities and buildings such as camps, offices, schools, and assisted living facilities. Typical coverages that protect your property include:
Commercial Property
Commercial property insurance can help cover repair or replacement costs if your church, place or worship, facility or contents are damaged or destroyed by an insured hazard such as a fire.
Equipment Breakdown
This insurance can help cover repair and replacement costs should equipment (such as ventilation systems, electrical equipment and more) break down at your place of worship or facility.
Fine Art & Valuables
This coverage can help you cover costs to restore or replace damaged, destroyed or stolen religious artifacts, fine art, sculptures, rare books, tapestries and other artwork that may not be covered under your commercial property insurance.
Insurance to protect your mission.
Our Faith Guard team will work with your organization to provide coverages that help you maintain operations and continue to support your faith community following a disruptive event. Common coverages include:
Commercial General Liability
This critical coverage for religious organizations provides financial protection should someone be injured while on your property or if your religious organization causes damage to third-party property.
Employee & Volunteer Dishonesty
This insurance can help your organization cover financial and property losses due to dishonest acts from an employee or volunteer such as theft of cash, supplies, information or payroll fraud.
Cyber Liability
This can help your organization recover from a cyberattack or data breach by covering costs related to system and network recovery, notification expenses, extortion, fines, reputational harm, business interruption and lawsuits.
Extra Expenses
Different from commercial property insurance, this can help cover additional or unexpected costs (such as temporary relocation) to stay open after a disruptive event (ie. fire).
Business Interruption
Your expenses won’t stop if your religious organization is forced to close unexpectedly. Fortunately, this coverage can provide protection from financial losses if forced to close due to unforeseen circumstances.
Commercial Auto
If your organization owns or leases any vehicles, you’ll need commercial auto insurance. We can provide the three main types of commercial auto insurance coverages: third-party liability, collisions and comprehensive.
Insurance to protect your faith community.
Your religious organization brings together a dedicated community of individuals, including religious leaders, volunteers, believers, clients and more. Common coverages include to protect these members of your faith community include:
Directors & Officers Liability
Despite their dedication, your volunteer directors and officers could face allegations of negligence, breach of duty and more. This policy can help protect your volunteers from personal losses if legal action is brought against them.
Abuse & Molestation
Religious organizations that provide support or services to children and youth, seniors, people with disabilities and other vulnerable groups are at higher risk of facing allegations. This coverage can help protect your organization, staff and officials by covering legal defence costs.
Accident Insurance
This can provide financial assistance to your organization when accidents happen. It helps cover the medical expenses of your volunteers and faith-based community members should an accident occur at camps, conferences, retreats and more.
Errors & Omissions Liability
This protects your religious leaders, staff and volunteers who provide professional services on behalf of your organization. It can help cover legal defence costs if these individuals are sued for the services or advice they provided.
Terrorism
This insurance can help your religious organization recover from a terrorist attack by covering property losses, business interruption, liability claims and assist your members in recovery.
Kidnap and Ransom
Also known as K&R insurance, kidnap and ransom insurance is designed to protect individuals and organizations who operate in high-risk areas where kidnapping is a problem. This type of coverage protects against financial losses associated with kidnapping or extortion, such as ransom payments, loss of income and interest on bank loans. Religious organizations who have members engaging in mission trips overseas could benefit from this coverage.
Group Benefits
If your religious organization has employees, you may want to offer group benefits. Providing coverages such as health, dental, disability, critical illness and life insurance protects the wellbeing of your staff—and can also help your religious organization attract and retain top talent.
Speak to a specialist.
Get in touch with a dedicated advisor on our Faith Guard insurance team and we’ll get to work building the perfect coverage program for you.
Answering your most common questions.
Why should I choose Faith Guard over other insurance options for insurance organizations?
Our Faith Guard team at Acera Insurance has been insuring religious organizations for more than 40 years. We understand the unique challenges and risks facing faith-based communities, nonprofits, churches and other places of worship.
With access to more than 100 insurers and specialty underwriters—including multiple carriers who specialize in insuring religious organizations—our expert Faith Guard brokers will create a truly customized, inclusive insurance program to protect your organization, community and property.
What factors impact the cost of insurance for religious organizations?
The amount your religious organization will pay for insurance depends on several factors, including coverage options, location(s), size of operations and the type of services offered, as well as the age and value of property and/or artifacts.
Our expert Faith Guard brokers will evaluate your insurance needs and compare coverages across the entire market to place comprehensive coverages based on your needs and risks.
How will you help our religious organization minimize our risk?
Our team can identify ongoing and emerging risks, and provide solutions to minimize (and, in some cases, eliminate) risks to your religious organization.
What happens if we have a claim?
Our team understands the claims process inside and out. We provide unparalleled claims support with immediate attention, concise information and detailed communications. You can count on the Faith Guard team to support your religious organization throughout the entire claims process.