Property and Liability Insurance for Houses of Worship and Nonprofits in New York

Ministry Pacific provides competitive property and liability insurance for houses of worship and nonprofits in New York.
 
 

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Coverage for:

  • Churches

  • Houses of worship

  • Ministries

  • Nonprofits

  • Private schools

From Watertown to White Plains and from Brooklyn to Buffalo, Ministry Pacific is connecting New York houses of worship and nonprofits with property and liability insurance. Obtaining affordable insurance can be challenging in The Empire State, which is one of the nation’s most expensive places to live. New York is home to more than 17,000 houses of worship and 130,000 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.

Finding insurance coverage for New York faith-based and nonprofit organizations
Is it possible to find affordable property and liability coverage in New York? The best results are obtained when churches and charitable organizations use the services of an insurance broker. A broker, such as Ministry Pacific, is independent of insurers. As such, we’re able to survey rates, policies and the financial strength of insurance companies. We then present our findings to you, and you decide. Our services are free.

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.

GET A COMPLEMENTARY insurance quote for CHURCHes OR NONPROFITs in New York state

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 New York congregations, ministries and private schools in obtaining insurance coverage.

Insurance risks for New York state houses of worship and nonprofits

Property insurance risks in New York
The Empire State’s property insurance climate is unique. With more than 20 million people and a large stock of buildings that are at least a century old, there’s a lot to insure. On the climate front, the state faces multiple property challenges.

  • Hurricane remnants usually do not carry the direct force of their origin storms. Although they tend to lack gale-force winds, these storms retain high volumes of moisture and can result in catastrophic flooding in subways and low-lying areas.

  • Nor’easter storms strike between fall and spring, resulting in power outages, flooding and rapid snow accumulation.

  • Coastal regions of New York generally experiencing moderate winter temperatures, but no region of the state is immune to freezing and bursting pipes. In general, inland communities face more frigid temperatures and higher risks than the New York City area.

  • Even though snow may not last long in coastal New York, wet and heavy accumulation can occur rapidly, resulting in roof compromise or collapse. In addition, these conditions can lead to ice dams, which drive moisture inside facilities. In Upstate New York, several feet of snow can accumulate in a day, exacerbating the strain on roofing.

  • New York’s building codes are considered strict. When a property needs repaired, often the entire structure must be upgraded to current codes.

  • High real estate and construction prices can make rebuilding and repairing a costly proposition.

Liability insurance risks
New York 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.