Minimum insurance requirements for United Methodist churches provide a schedule of the coverages and limits that a church should carry to be “adequately” insured.

  • Where did these standards come from?

  • Why are they important?

  • What is required of your church as relates to these requirements?


Let’s take a look at these and other questions around the standards and church insurance in general.


During the 2016 General Conference in Portland, Oregon, Petition 60158 was adopted. The Petition amended ¶ 2533.2 in The Book of Discipline (2012) and altered the responsibilities of the local churches board of the trustees as they relate to the annual review and reporting of the church’s insurance coverage. It states:


The board of trustees shall annually compare the existence and adequacy of the church’s insurance coverages to an insurance schedule annually published by the General Council on Finance and Administration (GCFA). The purpose of this review is to ensure that the church, its properties, and its personnel are properly protected against risks. The board shall include in its report to the charge conference (¶ 2550.7) the results of its review and recommendations needed to timely bring the church into compliance with the published schedule.


The minimum requirements were developed by GCFA, United Methodist Insurance (UMI), and its service provider in 2016. These were developed based on the exposures faced by individual churches, industry best practices, and the professional assessments by of UMI and its partners’ experts. They can change based on emerging risks, new coverage options, the careful consideration of the advice of experts, the needs of individual churches, and other legal and market factors. In May of 2019, the standards were adjusted to consider the coverage needed by smaller churches for misconduct coverage and the need for some churches to carry actual cash value property coverage until their property can be rehabilitated to allow for replacement coverage as an option.


There are currently other changes under consideration and as they are thoughtfully and prayerfully considered, they will be presented in turn to the boards of UMI and GCFA for review, approval, and adoption.


We hope this helps you understand the importance of ensuring that your church is adequately protected against loss. Having proper coverage can prevent significant harm to your ability to continue your ministry effectively. Copies of the most recent requirements can be found on GCFA’s website.


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Suracy Faith Insurance Agency
P.O. Box 391380
Cleveland, OH 44139

The content available on this website has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states.

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