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 NAPARC congregation, served on building committees and has seen many a church budget spreadsheet.  

Why deal with us?
  • We understand small- to medium-sized Presbyterian and Reformed churches. And we understand that they usually are excellent risks because of their solid, biblical form of church government and educated officers and ministry.
  • Your area may lack a capable insurance agency or you may prefer not to deal with local agencies who are more familiar with businesses than with churches.
  • We work on your schedule -- we are happy to spend time on the phone in the evening  or on Saturdays and you'll have your agent's cell phone number. We will also travel to many areas of the Southeast, though we can write business in most states.
  • Client education is a priority for us. Few church officers understand the coverage they have. We will take the time to educate and inform you. If your present agent has not taken the time to explain your policy provisions of if they don't provide yearly coverage reviews, you may need a new insurance agent!
  • We work with you on loss prevention. Your church officers are first line of defense against preventable losses. We try to help them think about possible hazards and risk -- and that's the best way to prevent bad things from happening. Windrock Insurance will work with your staff or officers to implement child protection policies, provide a checklist for physical hazards, and suggest preventive maintenance that can save your congregation money on more than just insurance premiums. And you'll receive regular loss prevention e-mail bulletins.

In many cases we can write one package with one carrier to cover the church's property, general liability, auto, pastoral liability, directors & officers liability, and more. 

Read "Who sues non-profit organizations and their directors and officers?"

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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.