Church Insurance Coverage & Risk Protection

Insurance That Actually Protects Your Church, Not Just Checks a Box

Most church policies look complete on paper… but leave critical gaps in practice.
We help you understand where you’re exposed, and make sure the things that matter most are truly protected.

Where Churches Are Quietly Exposed

Before we walk through coverage, it’s important to understand where churches are most commonly at risk.

Because the biggest issues we see aren’t from what churches know they need,
they come from what gets overlooked.

Injuries on Church Property

A slip, a fall, or an accident during a service or event can quickly turn into a claim.

Without the right structure in place, even small incidents can become costly.

Volunteer & Staff Actions

Churches run on people, and that’s part of their strength. But it also introduces risk when decisions, actions, or misunderstandings lead to liability.

Counseling & Pastoral Care

Providing guidance is central to ministry.
But without proper protection, even well-intentioned conversations can create exposure.

Abuse & Misconduct Claims

This is one of the most sensitive—and financially devastating—areas of risk.
Many policies either exclude it or leave critical gaps without making it obvious.

Events, Camps & Outreach Activities

Off-site activities and special events often fall outside standard assumptions of coverage.

Most of these risks aren’t obvious when reviewing a policy.
That’s why they’re often missed.

What We Help You Protect

Our role isn’t just to “get you insured.”
It’s to make sure your church is protected in the moments that actually matter.

Your Property & Physical Assets

From the building itself to what’s inside: stained glass, instruments, equipment. Your space holds both financial and spiritual value.
We make sure it’s properly accounted for and protected.

Your People & Your Ministry

Coverage that protects against liability tied to services, counseling, volunteers, and day-to-day ministry operations, without leaving blind spots.

Your Leadership & Staff

Protection for pastors, board members, and staff against claims related to leadership decisions, employment matters, and internal responsibilities.

Your Operations & Activities

Coverage that protects against liability tied to services, counseling, volunteers, and day-to-day ministry operations, without leaving blind spots.

Because when something does happen, the last thing you want to discover…
is that you weren’t covered the way you thought you were.

We Don’t Just Provide Coverage, We Help You Prevent Problems

Most insurance only responds after something happens.

We take a more proactive approach.

Policy Reviews That Go Beyond the Surface

We look closely at your current coverage to identify gaps, overlaps, and areas that may not hold up when tested.

Identifying Risks Before They Become Claims

From operational blind spots to overlooked exposures, we help you see what’s not immediately obvious.

Helping You Make Informed Decisions

You don’t need to become an insurance expert.

Our job is to guide you clearly, so you know what matters, and what doesn’t.

Trusted by Churches Who Want to Get It Right

Faith-based organizations across the St. Louis region — and beyond — trust us to protect what matters most.
Here’s what they’re saying.

We have relied on Ed and his team to serve all of our insurance needs since September 2009. He has worked hard to keep us adequately covered while keeping our rates low. When claims have to be made or questions need to be answered we have always received prompt and complete service.
Thomas Viliocco, King of Kings Lutheran Church
Our church has been working with the Charles L. Crane Agency for a number of years.  They have always been very helpful in finding the best fit for our insurance needs and explaining how our existing coverage is working for us. When we have had to file claims, they have worked through the process with us to make sure our claims were correctly addressed.  I would highly recommend them to anyone looking for someone to help them through the complexities of church insurance.
Steve Arthur, Elder, Hope Church
We have been a client of the Crane Agency and Ed Politte for several years. As premiums have increased over the years, Ed has shopped our coverage and we are paying less today than we did in 2007, for better coverage. He makes sure we are getting the coverage we need at the best price. We would recommend him to your church.
Zion Evangelical Lutheran Church

Get a Clear Picture of Your Church’s Risk

You don’t need to guess whether your current coverage is enough.

We’ll review your coverage, identify potential gaps, and walk you through your options, clearly and without pressure.