Serving the Heart of Missouri’s Faith Community
Church Insurance in Columbia MO & Jefferson City
Ministry-Focused Coverage for Central Missouri Churches and Faith-Based Organizations
Brotherhood Mutual Insurance and Local Support You Can Count On
In Columbia and Jefferson City, churches serve their communities with dedication—and need insurance that reflects their mission and risks. As a Brotherhood Mutual partner, Fortner Insurance helps ministries across central Missouri get the coverage they need. Whether you're in downtown Jefferson City, Columbia, or the surrounding counties, we’ll protect your people, property, and programs with care.
What we cover
Church Insurance for Ministries Across Boone, Cole & Surrounding Counties
Church Property Coverage
Insures sanctuaries, classrooms, sound systems, and other key spaces and equipment.
General Liability Insurance
Covers slip-and-fall incidents, volunteer activity, off-site events, and more.
Pastoral & Professional Liability
Protection for counseling services, leadership decisions, and spiritual guidance activities.
Abuse & Misconduct Coverage
Essential for churches with youth groups, children’s ministries, or community outreach
Workers’ Compensation
Required in Missouri for ministries with paid employees. We help you stay compliant.
Church Auto Insurance
Coverage for vans, buses, and ministry vehicles used for outreach or transport.
Directors & Officers (D&O) Insurance
Protects your board members and leadership team from governance-related claims.
Cyber Liability for Churches
Covers risks related to online giving platforms, member data, and digital communication.
Mission Travel Insurance
Short-term travel protection for domestic and international mission teams.
Umbrella Liability
Boosts your overall coverage limits—ideal for larger or multi-site churches.
Why Central Missouri Churches Work With Fortner
Brotherhood Mutual Partner. Ministry-Focused. Missouri-Based.
We Serve Ministries of All Sizes
From church plants in Columbia to long-established congregations in Jefferson City—we tailor coverage to fit your structure and goals.
We Know Central Missouri Well
We proudly serve ministries across Boone, Cole, Callaway, and Moniteau Counties—with fast response and local insight.
We Bring Ministry Expertise to the Table
As a
Brotherhood Mutual partner, we help churches access the coverage they need—with the clarity and personal support they deserve.
Church Insurance FAQs for Columbia & Jefferson City
What Local Ministries Want to Know
Do you offer Brotherhood Mutual church insurance in Columbia and Jefferson City?
Yes—Fortner is a Missouri-based Brotherhood Mutual partner agency, and we serve churches throughout the central Missouri region.
What’s the most important type of church insurance?
Most ministries start with property and liability coverage. We’ll help you assess your risks and build a full protection plan.
Do I need workers’ comp if my church only has a few staff?
If you have five or more employees, Missouri law requires it. We'll help you stay compliant and covered.
Does my church need cyber coverage for online giving?
Yes. If you collect donations online or store member data digitally, we recommend cyber liability insurance.
Can Fortner serve churches in Fulton, Ashland, or rural areas?
Absolutely. We insure churches throughout Boone, Cole, and surrounding counties—urban, suburban, and rural.