2026 January 27
Faith-based organisations, such as churches and synagogues, have never faced such a complex array of risks.
From arson attacks to high profile media scandals, and fraudulent activity, we know that no Christian fellowship and Mission Society is immune - even in New Zealand.
This can be quite daunting, especially trying to figure out what cover you need for all the different risks you may face. Here we have set out some key areas of risk and a few things to think about when next discussing your insurance with your broker.
As you know, a place of worship is not just a building. It is a sanctuary for your community.
If this is damaged due to flood, an earthquake, or fire, you want to get it repaired or rebuilt as soon as practically possible to ensure you can continue to bring your fellowship together.
Material damage insurance protects key buildings you own against such events. In addition to your main building this may include rental properties, community centres, or your leader’s manse/home. You will of course want to have contents insurance to protect your valuable possessions within those buildings.
We also recommend Business Interruption insurance, which helps put you back in the same position you were in prior to a major loss. This can include cover for items such as -
Regardless of whether you have paid employees or volunteers, there are several people-related risks you can encounter in the day-to-day running of your organisation. Examples include –
To help cover these risks you need Liability insurance. There are many different types of liability protection such as statutory liability, employment disputes liability, professional indemnity, and trustees’ liability. Your insurance broker will advise you on what cover you need based on the requirements of your organisation. For example, some faith-based organisations will not just have a place of worship but may also operate schools, bible colleges, daycares, or even bookshops.
From time-to time, faith-based organisations may lead teams on a mission to support important projects overseas.
To ensure any unexpected events such as flight disruptions, lost luggage, or medical emergencies are covered you will need to arrange comprehensive travel policies to cover these eventualities on an annual or per trip basis.
Some organisations will even have missionaries living overseas for an extended period. These people require expat cover to ensure they can get the appropriate medical care, and even evacuation if needed, while they are away from home.
If you need help navigating these complex issues please get in touch. For a no obligation conversation contact –
Keith Thomas
021 449 321 keith.thomas@icib.co.nz