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Tips for Renewing Your Ministry's Insurance

Updated: Oct 22, 2023

Many churches may have a "set it and forget it" policy when it comes to insurance. There are 7 best practices when it comes to renewing your insurance - make sure you know them when it comes time for your ministry's renewal.

  • Start the process with your agent 90 to 120 days before your current policy’s expiration date.

  • Meet with your agent to discuss any changes to your property and operations (e.g. added a day care or began overseas mission trips).

  • Request loss runs or statements of no loss through your current agent.

  • Complete the application as completely and accurately as possible.

  • Provide any additional information from the above review that will help your agent understand your risk.

  • Ask your agent which carriers they plan to ask to provide a quote for your insurance. It is not always advisable to shop your risk every year. If the pricing, terms, and service are good then you should consider shopping every three to five years.

  • Consider evaluating a new agent every three to five years. If you are very satisfied with your agent, you may consider a longer period.

UMIP is here to help.

We have written a comprehensive BUYING GUIDE for churches that will help you in your journey.

Become more informed during the insurance buying process by downloading today!


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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