Because you don't have time to become an insurance expert...
We understand that no one enjoys dealing with insurance and that few church officers have the time to become expert in the field. Many small churches are staffed mostly by volunteers who have jobs of their own and families to worry about. We know where you're coming from. Our agency principal (and your point of contact) has served as both a deacon and an elder in a mid-sized congregation, served on building committees and has seen many a church budget spreadsheet.
Start-ups, storefront churches, and those who meet in rented space are welcome.
Why deal with us?
Read "Who sues non-profit organizations and their directors and officers?"
Windrock Insurance also offers life insurance solutions for pastors, including key person policies that can protect both the church and the pastor's family. Visit the Pastors Life website to learn more about this innovative and affordable approach to protection. We enjoy helping both churches and pastors prepare for the future. A good life insurance strategy provides the greatest help at the worst of times.
Affordable coverage from trusted insurance carriers
We offer package products from respected and stable companies -- Travelers, Zurich, Philadelphia, Charity First, and USLI (a Berkshire Hathaway company).
The Zurich, Philadelphia, and USLI programs offer a broader range of coverages and they welcome larger and more complex risks. Their plans can include abuse & molestation, D&O, and pastoral counseling liability.
The Travelers program focuses on ease of issue and affordability and may be the best choice for small or new congregations. It does not include abuse & molestation, directors & officers (D&O), or pastoral professional liability. These coverages may be obtained separately in some cases. Auto and workers comp are also available.
On the life side we work with top brokerages that allow us to quote dozens of the best life insurance companies. Not being tied to any one company means we match the client to the company. We have robust prequalification tools which help us select the right company and accurately predict final rates.
Non-package coverages available
We can also help with monoline coverages such as workers comp for churches and non-profits, employment practices liability (EPLI), and directors & officers liability (D&O).
*Please read all coverage forms for a complete list of covered perils and exclusions. Availability of coverage and options may vary by state. Windrock Insurance is headquartered in Tennessee and is licensed in multiple states.