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Church Insurance

Ayr Farmers Mutual Insurance Company Protects Homes, Farms, Businesses and Vehicles in Ayr, Ontario

As a church operator, you work hard to build your community and ensure your congregation's needs are met. Let us take care of your insurance needs. We're here to help you protect your property and your legal interests with comprehensive coverage, competitive rates and advice to help you save money.

Church Insurance Policy Coverage

Our Church Insurance Program covers property, loss of income, crime and unique liability exposures that a church may face. We can also provide coverage for churches that rent a location and do not require coverage for an owned building. 

Property Coverages

If your congregation owns the building, we offer coverage for the physical structure(s) on the premises which include storage buildings, concrete cemetery vaults, and manses as well as contents (including stock and/or equipment typically used in a church)

Competitive Coverage & Rates

One of the primary advantages of our Church Insurance Program is having coverage that has been crafted by experts in the insurance industry that focus on your needs as a congregation at an affordable price.

Discounts For Commercial Buildings

We can help save you money on your Church Insurance Policy by offering some valuable loss prevention tips and preventative measures that can earn you a discount.

Did You Know We Provide Certificates of Insurance?

You may be asked to provide proof of coverage from a customer, or for a specific job. Contact your Agent or Broker, and they will help you obtain the proper information required and provide you with an official Certificate of Insurance in a timely manner.

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Types of Coverage

  • Property Coverages

    Building (if the congregation owns the building, we insure the physical structure(s) on the premises which include storage buildings, concrete cemetery vaults, and manses) Contents (including stock and/or equipment usual to a church)

  • Ayr Farmers Mutuals “Automatic Extensions of Coverage”

    Your policy will include 38 extra coverages for your operations at no additional cost. For the full list of included coverages, click here. This extension package is unique to Ayr Farmers Mutual. 

  • Loss of Income Coverage

    If an insured loss causes your church to temporarily shut down, we provide coverage (up to a certain limit) for lost income until any repairs required are complete.

  • Crime Coverage

    What if a member of the congregation has a deposit stolen while en-route to the bank? Our policies can provide some coverage for these types of unfortunate events.

  • Commercial General Liability Coverages

    These coverages are included with your Church Insurance:

    Bodily Injury & Property Damage

    Coverage for injuries that occur, or damages caused to others' property, on your property/church premises or as a result of by your church’s operations.

    Personal Injury and Advertising Liability

    The financial damages owed and cost to defend you in court, when the advertisements or bulletins produced by your church cause others a loss or injury (i.e., libel or slander).

    Medical Payments

    The medical expenses related to an injury caused to another on your church’s premises (rehabilitation costs, for example).

    Tenants Legal Liability

    Damages caused to the property of others while you are renting another location to hold church services.

    Non-Owned Automobile

    Can provide coverage for accidents involving the personal vehicles of your employees while using their vehicle for church purposes such as driving to the post office or picking up supplies.

  • Other Coverages

    These optional coverages may also be of interest to you:

    Church Counselling Liability

    Professional errors & omissions coverage for pastoral counselling services.

    Sewer Backup

    Covers loss or damage to the church building and/or contents caused by the sudden and accidental leakage or escape of water from a sewer, septic tank, septic system, floor drain or sump pit.

    Earthquake

    Covers damages caused by an earthquake to the church building and/or contents (including snow slide, ice slide, and landslide as a resulting from an earthquake).

    Commercial Auto

    If you own a vehicle that is primarily used in the operation of your church (e.g., a youth group van), you will need to insure that vehicle with a Commercial Auto Policy. A personal automobile policy does not include coverage for business operations.

Main text

What does a Church Insurance Policy cover?

Our church Insurance Program covers property, loss of income, crime and unique liability exposures that a church may face. We can also provide coverage for churches that rent a location and do not require coverage for a building. 

Potential Accordion

Types of Coverage 

Property Coverages:

Building (if the congregation owns the building, we insure the physical structure(s) on the premises which include storage buildings, concrete cemetary vaults, and manses)
Contents (including stock and/or equipment usual to a church)

Ayr Farmers Mutual’s “Automatic Extensions of Coverage” (included)

Your policy will include 38 extra coverages free of charge for your operations. For the full list of included coverages, click here.
This is unique to our company’s commercial products. The list is about 38 different ‘extra’ coverages that we provide free of charge.

Loss of Income Coverage:

If an insured loss causes your church to temporarily shut down, we provide coverage (up to a certain limit) for lost income until repairs are complete.

Crime Coverage:

What if you or one of the congregants have a deposit stolen while en-route to the bank? Our policies can provide some coverage for these types of unfortunate events.

Commercial General Liability Coverages:

These coverages are included with your Church Insurance:

Bodily Injury & Property Damage - Coverage for injury or damages caused to others property by your church’s operations, products, and injuries that occur on the church premises.

Personal Injury and Advertising Liability - The financial damages owed and cost to defend you in court when the advertisements or bulletins produced by your church cause others a loss or injury (example: Libel or Slander).

Medical Payments - The medical related expenses related to an injury caused to another on your church’s premises (rehabilitation costs, for example).

Tenants Legal Liability - Damages caused to the property of others while you are renting another location to hold church services.

Non-Owned Automobile - Can provide coverage for accidents involving the personal vehicles of your employees while using their vehicle for church purposes such as driving to the post office or picking up supplies.

Other Coverages:

These optional coverages may also be of interest to you:

Church Counselling Liability - Professional errors & omissions coverage for pastoral counselling services.

Sewer Backup - Covers loss or damage to the church building and/or contents caused by the sudden and accidental leakage or escape of water from a sewer, septic tank, septic system, floor drain or sump pit.

Earthquake - Covers damages caused by an earthquake to the church building and/or contents (including snow slide, ice slide, and landslide as a result of an earthquake).

Commercial Auto - If you own a vehicle that is primarily used in the operation of your church (ie. a youth group van), you will need to insure that vehicle on a Commercial Auto Policy. A personal automobile policy does not include coverage for business operations.

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What are the advantages of our Church Insurance Program?

Competitive Coverage & Rates - Our church policy coverage has been crafted by experts in the insurance industry that focus on your needs as a congregation at an affordable price.

Discounts for commercial buildings - We can help save you money on your church insurance policy by offering some valuable loss prevention tips and preventative measures that can earn you a discount.

Insurance That Works As Hard As You

Please contact us and Get Started Today! One of our agents will work steadfastly to provide you with the information you need. Just shopping around? No problem! Our agents are happy to help provide you with information, so you can make the best decision—For You.

Get Started Today

(519) 632-7413 Contact