Property and Liability Insurance for Houses of Worship and Nonprofits in Louisiana

Ministry Pacific provides competitive property and liability coverage for houses of worship and nonprofits in Louisiana.

Contact ministry pacific for a free consultation

Coverage for:

  • Churches

  • Houses of worship

  • Ministries

  • Nonprofits

  • Private schools

GET A QUOTE

Louisiana: deep religious conviction tested by climatic hardships

Louisiana is home to more than 4.6 million people, including more than 5,000 houses of worship and more than 25,000 nonprofits. These religious and community organizations rely on property insurance to protect their facility investments and liability insurance to defend them from litigation-related risks.

Louisiana is one of the most religiously vibrant states in the nation. According to The Pew Research Center, 84 percent of adults identify with a religious faith and more than half regularly attend worship services. In addition to Catholicism and Protestantism, the state is home to adherents of Judaism, Islam, Buddhism and other faiths. Leading nonprofit organizations include The Greater New Orleans Foundation, Baton Rouge Area Foundation, Community Foundation of Acadiana and Baptist Community Ministries.

Property insurance risks for Louisiana ministries
The Pelican State’s rivers, deltas and bayous give Louisiana its unique charm. But it’s bittersweet: Thousands of square miles of low-lying property are highly exposed to severe storms and floods that can ravage the state. Houses of worship and charitable organizations in Louisiana have had more than their share of weather-related hardships. Hurricane Katrina (2005) alone resulted in more than 900 houses of worship being destroyed, severely damaged or forced to permanently close. Hurricanes, tropical storms and straight-line winds are leading causes of damage to roofing, windows and exterior equipment. Flooding from river swells and sudden rainstorms are a related threat. Beyond immediate damage, Louisiana’s subtropical climate is an accelerator of toxic mold growth. This creates additional liabilities for commercial property owners responding to water damage.

While water is the key culprit of damage to Louisiana’s religious institutions, it’s not alone. Wildfires are a threat, with the state holding a medium risk ranking. While rainstorms and wildfires may seem like a counterintuitive combination, they’re actually related. Hurricanes deposit debris, while heavy rain leads to rapid vegetation growth. When rainfall slacks, dense foliage can become tinder for wildfires.

Liability insurance risks for Louisiana houses of worship and nonprofits
Louisiana ministries and faith-based organizations face liability risks similar to their counterparts in other states. General liability (often called “slip-and-fall”) insurance is the first line of defense. But other coverages, including sexual misconduct, cyber security, employment practices, and embezzlement, are recommended.

Finding church and nonprofit insurance in Louisiana
Can houses of worship and ministries in Louisiana obtain competitively priced insurance? Churches and nonprofit organizations can find the best options by using the services of an independent insurance broker. Brokers, such as Ministry Pacific, can act autonomously and are not employed by insurance companies. This allows them to objectively assess rates, policies, and the financial stability of multiple insurance providers serving Louisiana. There is no cost to the client.

GET A COMPLEMENTARY CHURCH OR NONPROFIT INSURANCE QUOTE in Louisiana

Would you like a free quote? We just need a little information via the form below. Or you can call us at 1.866.870.2700.

WHO WE ARE

Ministry Pacific is an independent insurance agency exclusively serving houses of worship and ministries. With decades of experience and more than 1,700 clients, we’re uniquely equipped to assist Louisiana congregations, ministries and private schools in obtaining insurance coverage.