Church Insurance
Smith & Thomas Insurance is proud to be one of Florida’s oldest and most trusted church insurance agents.
Serving Churches, Schools, and Faith-Based Organizations
We’ve specialized in church insurance since the 1980s, helping congregations of all sizes protect their people, property, and mission.
Churches and ministries are more than buildings—they’re communities, gathering spaces, and places of service. Standard insurance policies often leave gaps when it comes to the unique risks faith-based organizations face.
Protecting your congregation, staff, and property is an important step in ensuring your mission can continue without interruption.
Common Coverage Options for Churches and Ministries:
We understand that churches operate differently than typical businesses. That’s why we offer policy options tailored to meet the needs of faith-based organizations, covering everything from worship services to outreach activities.
Liability Insurance – Protects against accidents or injuries that may occur on church property or during events.
Property Insurance – Protects your sanctuary, fellowship halls, offices, classrooms, and ministry equipment.
Flood Insurance – Protects church buildings and contents from damage caused by rising water, which is typically excluded from standard property insurance policies.
Pastoral & Professional Liability – Safeguards leaders, counselors, and staff offering spiritual guidance or counseling.
Workers’ Compensation – Provides coverage for staff or employees involved in church operations.
Vehicle Insurance – Insures buses, vans, or cars used for ministry events, outreach, and transportation.
Specialized Options – Optional coverage for volunteers, religious liberty, abuse and molestation protection, D&O (Directors & Officers), or unique property like stained glass, pipe organs, and baptismal equipment.
Every church is different, which is why we take time to understand your mission and help tailor a plan that fits your needs and budget.
Insurance That Grows with Your Ministry
From small congregations to multi-campus churches, coverage should reflect how you serve—weeknight small groups, regional conferences, food pantries, school partnerships, and seasonal outreach. We work with all denominations and faith communities, including synagogues and temples, and can scale policies as your ministry expands staff, property, or programs.
Local Agents, Florida-Focused Church Insurance
With decades of experience protecting congregations across central Florida, our agents understand the unique needs of churches and ministries. From small congregations in Lakeland, Plant City, Tampa, Brandon, Valrico, and Orlando to larger multi-site ministries across the state, we’re proud to help faith-based organizations safeguard their people, property, and mission.
Get a Free Insurance Quote Today!
Call us at 863-688-1141 or request your quote online today and get started protecting your church or ministry.