Property and Liability Insurance for Florida Houses of Worship and Nonprofits
Finally: Ministry Insurance That Understands Your Mission
Competitive rates. Conviction-based service. Zero obligation.
Coverage for:
Churches
Houses of worship
Ministries
Nonprofits
Private schools
Ministry Pacific offers property and liability insurance for houses of worship and ministries in Florida. This coverage is competitively priced and created to complement – not complicate – the work of ministry.
Whether your congregation is located in Tampa or Tallahassee, Panama City or Port St. Lucie (and all places in between), competitive rates and quality coverage may be only a click away.
Our insurers
Ministry Pacific partners with highly-rated insurers including KingsCover, GuideOne, Great American Insurance Group, Philadelphia Insurance Company, United States Liability Insurance Company and Glatfelter Insurance Company.
Which insurance is for me?
As brokers, we work for you. We shop the market and compare your needs to the coverage and pricing offered by insurers, then make recommendations. You decide.
In addition to partnering with longstanding nonprofit insurers, Ministry Pacific is a broker for KingsCover, launched by Texas Baptists in 2025. It’s open to churches and ministries nationwide (not merely Baptists) who are autonomous and affirm these statements of faith.
Who we are
Ministry Pacific is an independent insurance agency exclusively serving houses of worship, nonprofits and ministries. With decades of experience and more than 1,700 clients, we’re uniquely equipped to assist Florida congregations in securing competitive, comprehensive property and liability coverage.
1.866.870.2700
get a no-obligation quote on property and liability insurance IN FLORIDA
Thanks for your interest! Call us directly at 1.866.870.2700 or provide a few details in the form below and we’ll respond promptly.
ABOUT FLORIDA CHURCH INSURANCE
Religious organizations, ministries and nonprofits play a vital role in Florida. The Sunshine State is home to more than 12,000 houses of worship, plus more than 100,000 charitable nonprofits registered with the IRS. Property and liability insurance can be a critical ministry partner for churches and other community-based organizations.
Natural disasters
Although it’s known as the Sunshine State, Florida is no stranger to severe weather. Commercial property owners, including churches and ministries, face threats from above and below. Torrential downpours, hurricane-force winds and hail can strike from above. These storms put roofing, windows and water seals to the test. Related coastal storm surges can devastate seafront properties. From below, shifting limestone deposits and water tables can cause the earth to “swallow” buildings and vehicles in sinkholes.
Liability risks
Houses of worship nationwide face challenges from general liabilities in addition to specific risks. The most commonly known are slip-and-fall injuries. Yet a leading cause of litigation against churches is sexual abuse. Additional risks result from embezzlement, cyber security, active shooters, motor vehicles and employment practices. Liability insurance provides a legal defense when congregations are sued. The value of this benefit is often overlooked. A self-insuring congregation would need to pay legal fees costing hundreds of dollars per hour over an unknown timeframe, potentially leading to bankruptcy. Liability insurance is a valuable ministry partner for Florida churches, houses of worship and nonprofits.
about KingsCover
A solution built for churches, on purpose.
Over the past decade churches across the country have experienced rising premiums, shrinking coverage options, and fewer insurers willing to serve ministries – particularly around property, liability, counseling, and protection of children and vulnerable adults. KingsCover was built differently on purpose, with long-term ministry protection at the center.
WHY CHURCHES CHOOSE KINGSCOVER
Professional insurance Shared mission.
Mission-Aligned Protection We exist to protect ministries and enable mission, not simply to sell policies.
Church-Specific Insurance Our coverage is designed around how churches actually operate – their ministries, volunteers, facilities, governance, and outreach.
Clear, Professional Process We provide straightforward quotes, responsive service, and guidance from professionals who understand your mission.
Affordable and Sustainable by Design Through strategic partnerships with church associations and conventions, we operate on a lean structure that dramatically reduces overhead, prioritizing affordability and long-term stability.