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Ask The Expert: How early can I renew my coverage?

Updated: Oct 22, 2023

I have Advent and our big Christmas service coming up.

With Advent coming up, ministries are focused now on their Christmastime services. Chances are, insurance renewal might slip your mind. Many churches renew their insurance on January 1st, and they might also ask themselves, how soon can I take care of this?

The answer is, typically, within 90 days. Most insurance carriers will issue a binding quote for 90 days. Luckily, that means that if you, like many ministries, renew your insurance on January 1st, you can start shopping now!

There are many benefits to renewing your coverage this time of year, now instead of later.

  • You can avoid last minute stress. We know how busy Christmas can be for ministries! If you start the process now, you could be sitting pretty before December 25th rolls around.

  • Could you save money? Our exclusive program manager, Sovereign Insurance Group, is standing by to shop your coverage.

  • Ensure appropriate protection for your ministry. Make sure you have all the coverage you need.

So, what are you waiting for? Give the United Methodist Insurance Program, powered by Sovereign Insurance Group, a try. Call us at 484-654-3380 or visit


This content 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.

The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property.


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