Protecting what your ministry stands for
Comprehensive Insurance For Churches & Ministries Statewide
From rural churches to growing multi-campus ministries, we help faith communities protect their people, property, and mission. As a trusted Brotherhood Mutual partner agency, Fortner Insurance specializes in church insurance across Missouri, including urban and suburban areas like St. Louis, Kansas City, Columbia, and Jefferson City. We work with pastors, board members, and ministry leaders to build custom policies, covering everything from worship spaces and church vans to mission trips and events. Whether you're seeking church property coverage, liability insurance, or ministry workers' comp, we're here to guide you with clarity and care.
What we cover
Church Insurance Policies Tailored to Real Ministry Needs
Church property insurance
Protects your sanctuary, classrooms, offices, sound systems, musical instruments, and more from fire, storms, theft, and vandalism.
Church liability insurance
Covers slips, falls, counseling services, pastoral liability, abuse/molestation, and D&O (directors and officers).
Workers’ compensation
Required for paid church employees. Volunteers are usually not covered unless specifically added.
Church vehicle insurance
Covers church-owned vans, buses, and ministry transport vehicles, often used for events, youth trips, and outreach.
Umbrella insurance for churches
Adds additional liability protection for large claims or lawsuits beyond base policy limits.
Mission trip & travel coverage
Includes short-term mission trip insurance and international travel programs (available through Brotherhood Mutual).
Cyber liability
Protects against digital threats, including data breaches or online giving platform issues.
Why churches choose Fortner
Missouri-Based. Ministry-Focused. Ready to Help.
Brotherhood Mutual expertise
As a partner agency, we know the coverages, endorsements, and resources available for faith-based organizations.
Statewide reach, local heart
We insure churches in Springfield, St. Louis, Kansas City, Columbia, Cape Girardeau, and beyond, with personal service every time.
We speak ministry
We understand how churches operate, and we tailor insurance to your worship style, building use, and congregation size.
Church insurance FAQs
What Ministries Across Missouri Ask Us Most
What kind of insurance does a church need?
Most churches need property, general liability, pastoral counseling coverage, workers’ comp, and possibly auto or umbrella. We’ll help you build a complete plan.
Can I get church insurance near me if my ministry is outside Springfield?
Yes. We serve churches across Missouri—including St. Louis, Kansas City, Columbia, and rural areas.
How much is church insurance for a small church?
Rates vary based on building size, location, membership, and coverage needs. We'll compare quotes and walk you through options.
Do we need special insurance for events or fundraisers?
Some activities may need event-specific coverage, especially off-site events. We'll help you understand what your policy includes and where extra protection is needed.
Are church vans and buses covered under a regular policy?
No. You'll need a separate church vehicle insurance policy for any ministry-owned or operated vehicles used to transport members or staff.