Hi, I’m Terry Brown, Church Insurance Specialist
With over four decades of experience since 1981, I’ve provided tailored insurance solutions to thousands of churches across the U.S.
My deep involvement as a Deacon, Trustee, and International Outreach Director offers me unique insights into church operations, setting me apart from other agents.
Interested in potential savings of at least 12-16% on your church’s insurance? Reach out for a complimentary review of your policy.
Get My Free Church Insurance Quote
Insurance for Churches
Whether your church is a small group renting a space, or a large congregation with several different buildings and community outreach programs, we can provide the right type of insurance coverage for the needs of your ministry.
I partner with a diverse range of insurance carriers to provide comprehensive protection for your house of worship. My network includes renowned companies like GuideOne, Liberty Mutual, Church Mutual, and many others, ensuring that I can offer tailored solutions to meet the unique needs of your church.
Explore Lines of Coverage for Churches
Helping You Every Step of the Way
Understanding and managing church insurance can be daunting, whether you’re new to the responsibility or have been overseeing it for years. The challenge often lies in optimizing coverage while adhering to the financial constraints of your ministry.
That’s where I step in. With a deep understanding of the nuanced needs of churches, I’m here to guide you through the complexities of insurance coverage. My aim is to not just provide insurance but to ensure that your coverage aligns perfectly with the needs and budget of your church.
Contact Terry Brown
Licensing and Service Area
I hold a resident insurance license in Georgia (GA RESIDENT LIC), which is where I’m based. Beyond my home state, I am licensed to provide insurance services in a broad spectrum of states across the country, enabling me to share my knowledge and services with a wider audience. I’m authorized to offer insurance solutions in the following states:
- Alabama (AL)
- California (CA)
- Colorado (CO)
- District of Columbia (DC)
- Florida (FL)
- Georgia (GA)
- Idaho (ID)
- Illinois (IL)
- Iowa (IA)
- Indiana (IN)
- Kentucky (KY)
- Louisiana (LA)
- Maryland (MD)
- Missouri (MO)
- Michigan (MI)
- Minnesota (MN)
- Mississippi (MS)
- New Jersey (NJ)
- New York (NY)
- North Carolina (NC)
- Ohio (OH)
- Oklahoma (OK)
- Oregon (OR)
- Pennsylvania (PA)
- South Carolina (SC)
- Tennessee (TN)
- Texas (TX)
- Virginia (VA)
- Washington (WA)
- Wisconsin (WI)
- West Virginia (WV)
Even if your church isn’t located in one of the states listed, please don’t hesitate to reach out. I am eager to assist with your church’s insurance needs and explore how I can support you, regardless of your location.
Companies I Represent
I am proud to represent a diverse array of insurance companies, ensuring that I can provide tailored insurance solutions to meet the unique needs of your church. Here’s a look at the reputable companies I work with:
Personal Lines
- Safeco
- Travelers
- Progressive
- HICI (Hospitality Insurance Company)
- Universal
- American Modern
- Foremost
- Chubb
Commercial Lines
- GuideOne
- Liberty Mutual
- Southern Mutual Church Insurance
- Church Mutual
- Philadelphia
- Avondale
- Northfield
- Promont Insurance
- Munich Re Specialty
- Hartford
- Travelers
- Arch
- Dual
- Intact
- Lexington
- Richmond National
- Westchester
- Southern Insurance Underwriters, Inc.
- Builders & Tradesmen’s Insurance Services, Inc.
- Burns & Wilcox
- CNA Insurance
Testimonials
“I can say without reservation, most churches have insurance, but are not properly insured. Eight percent have business policies. Having no insurance knowledge, we as churches are under insured or overly insured. Terry is knowledgable. Help your church or ministry. Call him to schedule an appointment, let him review what you currently have. You will be glad you did! We have special needs, just do it!”
– Pastor Charles R Jackson, African Methodist Episcopal Church
“Terry Brown is like no other insurance agent, he looks out for your best interest and goes above and beyond in service. When I have a claim to submit, he’s willing to process it on my behalf. Terry has even helped on another agent’s case when we needed someone to get us some answers. It’s been a pleasure working with Terry over the years, he makes my job a lot easier.”
– Trish Santos, Southeastern District of the C&MA
“Our church was able to save over $1,000 a year by switching (with Terry Brown).”
– Chip Nightingale, Corner Bible Church
Helpful Articles & Guides
Essential Steps for Churches to Manage Insurance Claims After Hurricane Helene
Manage insurance claims effectively after Hurricane Helene by documenting damage thoroughly and maximizing coverage to ensure a quick recovery.
Weathering the Storm: Church Insurance Challenges in 2024
Understand rising church insurance costs as major insurers reduce coverage and premiums increase. Learn practical steps to protect your church, explore expert tips, and stay informed on 2024 market trends.
Workers’ Compensation for Churches (Updated July 2024)
Ensure churches are safe for families, members, and workers alike. This article explains essential workers’ compensation information for every ministry.
Understanding Indirect Loss: How Neighboring Damages Can Affect Your Church
Learn how indirect losses from neighboring damages can disrupt church operations. Explore real-life examples, key insurance solutions, and proactive steps to protect your congregation.
How Different Coverage Options Impact Your Church Insurance Premium
Discover how different church insurance coverage options can impact your premiums. Get expert tips from Terry Brown on optimizing your insurance plan to safeguard your church's assets and manage costs effectively.
What Factors Affect The Cost of Church Insurance?
Discover the key factors that affect church insurance costs. Learn how size, location, and coverage needs impact your premiums. Get expert tips from Terry Brown to ensure your church is properly insured.
How to Get a Church Insurance Quote
Discover how to get a church insurance quote with Terry Brown. Follow these simple steps to ensure your church gets the best coverage tailored to its needs. Click to learn more!
How to Save on Church Insurance Costs with Regular Policy Reviews
Save on church insurance costs with regular policy reviews. Learn how to adapt to changing needs, identify cost-saving opportunities, ensure compliance, and maintain optimal coverage.
Ways to Save on Church Insurance Costs
Learn how to conduct risk assessments, increase deductibles, and leverage group discounts to keep your ministry financially healthy and well-protected.
How Much Does Church Insurance Cost? (Updated 2024)
Discover how much church insurance costs with detailed examples and scenarios. Compare premiums and learn how much you spend on comprehensive coverage tailored to your ministry's needs.
Why Your Church Building Needs To Be Protected by Insurance
Churches should always be safe, sacred places of worship. Here are just a few reasons why your church building needs to be protected by insurance.
What Types of Insurance for Churches Are There?
You might be surprised to learn that there are multiple types of insurance for churches. Here's a handy overview for your convenience.
5 Ways Your Congregation Will Benefit From Church Property Insurance
Are you on the fence of investing in insurance for your church? Here are 5 great ways your congregation can benefit from church property insurance.
5 Things You Need To Know About Church Insurance
Buying church insurance for the first time can feel overwhelming. Here are 5 facts that should help clear up any of your confusion.
Beginner’s Guide to Church Insurance
Your church has many exposures to risk. Use this handy guide to get a feel for what you need to know about insuring your church.
Sharing Your Testimony In A Foreign Country
When sharing your testimony try not to Americanize it. By that I mean don’t explain how your day started off bad because you had a flat tire on your Ford Expedition.