Ministry Insurance for the Greater St. Louis Faith Community
Trusted Coverage From a Brotherhood Mutual Partner Agency
St. Louis is home to hundreds of churches, ministries, and faith-based organizations—each with unique insurance needs. As a Brotherhood Mutual partner, Fortner Insurance helps ministries across the Greater St. Louis area protect their people, property, and purpose. From St. Charles to Chesterfield and Florissant, we provide trusted coverage and long-term support for your mission.
What we cover
Ministry-Focused Church Insurance Coverage in Eastern Missouri
Church property insurance
Coverage for sanctuaries, classrooms, AV equipment, instruments, and more.
Church liability insurance
Protection for injuries, counseling services, volunteer accidents, and general legal exposures.
Pastoral & Professional Liability
Coverage for pastors, counselors, and ministry leaders providing guidance or care.
Abuse & Misconduct Coverage
Includes critical protection for today’s church legal landscape, especially for children and youth programs.
Workers’ Compensation
Required for paid staff. Available for churches with pastors, admin, janitorial, or ministry teams.
Church Auto Insurance
For vans, buses, and other vehicles used for outreach, camps, or group travel.
Directors & Officers (D&O) Insurance
Covers board decisions and protects against lawsuits related to governance or fiduciary issues.
Mission Trip & Travel Coverage
Help with short-term travel programs or international mission efforts.
Cyber Liability for Churches
Protects against digital risks like donor data breaches and online giving platforms.
Umbrella Liability Coverage
Extends your policy’s liability limits for broader, high-limit protection.
Why St. Louis Ministries Choose Fortner
Brotherhood Mutual Partner. Missouri-Based. Ministry-Focused.
We’re a Trusted Source for Brotherhood Mutual in St. Louis
As a longtime BM partner, we help churches navigate their options and simplify the application and renewal process.
We Serve All Sizes of Ministry
From urban churches in St. Louis proper to suburban congregations in St. Peters or Chesterfield—we build coverage that fits your mission.
We’re Missouri-Born, Ministry-Driven
Fortner has deep roots in serving faith-based communities across Missouri. Our team understands the unique needs of ministries, schools, and nonprofit missions.
St. Louis Church Insurance FAQs
What Local Ministries Want to Know
Do you work with Brotherhood Mutual in St. Louis?
Yes! Fortner is a Missouri agency specializing in Brotherhood Mutual church insurance across the St. Louis region.
What kinds of churches do you insure?
We insure churches of all sizes and denominations, as well as church-run schools, preschools, and nonprofit ministries.
Is counseling covered by church liability insurance?
Only with the right endorsement. We’ll help you include pastoral or professional liability if your ministry offers spiritual care.
Can I insure our church van or bus through Fortner?
Absolutely. We offer church auto insurance for group travel, outreach events, and more.
Do you provide church insurance in St. Charles and Chesterfield?
Yes—we serve the entire Greater St. Louis area, including St. Louis County, St. Charles, and surrounding communities.