Commercial Coverage

Church Insurance

Churches need commercial insurance to protect their assets, employees, and members from potential financial losses due to unforeseen events such as property damage, accidents, or lawsuits.

Churches do important work in communities all over the world, but just like any business, they need proper risk management strategies, including a tailored insurance policy that provides essential and useful coverages. Let us help you find the right commercial insurance program for your church’s needs at a great rate.

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Commercial Church Insurance Policies Include:

General Liability

General Liability insurance is essential for every business, including Non-Profit Organizations. Should you be found negligent for a broad spectrum of things that lead to third-party injuries or property damage, General Liability insurance pays for expenses such as medical fees and damages related to the incident, regardless of litigation outcomes.

Workers' Compensation Insurance

If you have one or more employees, it is essential that your Non-Profit has Workers’ Compensation Insurance. This insurance protects you as well as your staff. If an employee suffers a workplace injury or illness, this coverage protects you from litigation and pays your employee’s medical fees and lost wages.

Commercial Vehicle Insurance

Whether your Non-Profit Organization uses a small car for transportation, or large trucks to transport goods, Commercial Vehicle Insurance protects your vehicles of any size. This essential coverage should include insurance for accident-related incidents as well as collision and non-collision damages.

Commercial Property Insurance

Whatever building or facility you use to operate your Non-Profit Organization should be protected by Commercial Property Insurance. In the event that your commercial property experiences something like a fire, theft, wind, falling objects, or other things that lead to physical losses, this coverage will prevent a total loss. Physical losses include things like office furniture, computers, equipment, supplies, tools, fences, etc.

Inland Marine

When your organization transports any kind of goods such as medical supplies and equipment, construction equipment, food, water, books, etc., there is a risk that they could be damaged, destroyed, or lost during transport. Inland Marine insurance covers those goods in transit or in the process of being transported.

Umbrella Insurance

Non-Profit Organizations can be dramatically impacted by a major loss that exceeds their primary insurance maximum. For this reason, it is important to have Umbrella Insurance coverage. This insurance pays up to its policy limits when you have exceeded your primary insurance policy limits which prevent your organization from paying out-of-pocket.


Even with the best of intentions and practices, mistakes happen that could leave your Non-Profit Organization exposed to risk. Professional insurance provides important protection in the event of litigation that is derived from accused negligence. In the event that damages are awarded, this insurance covers those damages. Additionally, if legal actions are deemed to be groundless, this insurance may also pay for your defense costs.


If your Non-Profit Organization works with chemicals or other environmentally hazardous materials (including things like lawn care products, gasoline, some cleaning products, construction products, etc.), you need Pollution insurance. This insurance covers you in the event that something like a spill or leak of environmentally hazardous substances leads to pollution and/or injury or death. This coverage also includes brownfield restoration and cleanup if deemed necessary.

Cyber Insurance

Non-Profit Organizations rely on online software and databases to store donor contact and payment information, as well as a multitude of other potentially sensitive information. Cyber Insurance protects your organization in the event that there is litigation stemming from a cyber attack. Cyber-attacks include hacking, extortion, theft, data destruction, and denial of service attacks.

Employment Liability Insurance

Employment Liability Insurance provides protection for both you and employees in the event that they experience a workplace injury or illness that is not covered by Workers’ Compensation Insurance.  This may be bundled with Workers’ Compensation Insurance for more thorough insurance coverage.


Sexual Abuse and Molestation Coverage

If your Non-Profit Organization works closely with children, it is highly advisable that you have Sexual Abuse and Molestation insurance coverage. In the event of litigation, this insurance mitigates losses and protects you from paying out-of-pocket for related legal fees.

Our Partners

At RRM, we believe Non-Profit Organizations do important work. Because of this, we are dedicated to partnering with your organization to identify your unique risk management needs, tailor an insurance policy to meet your needs, and equip you with exciting tools to improve operations.

• Assistance in meeting OSHA hazard requirements.
• Access to a best-practices safety library.
• Resources to build a behavior-based safety program.
• Development of an effective and efficient employee training program.
• Free access to infographics that promote workplace safety.

Our Solutions

With modern day solutions to everyday problems, we offer:

Proof Of Insurance

24/7 digital proofs of insurance through our online portal. `

Risk Management Materials

We provide Posters, Brochures and Infographics for the workplace to create a culture of safety.

Apply Online

Online quick apply small contract bonds for up to $400,000

Great Support

Unwavering employees, dedicated to helping you find a unique solution to your problem.

Our Beliefs

Our Beliefs

We believe while 21st digital solutions make workplaces efficient and quick paced; but some projects require a human interaction that cannot be replaced by a digital portal. We pride ourselves on our staunch dedicated staff who are always looking to help your business and create solutions that solve your needs, because we understand that your needs are unique. At RRM we believe your more than just another number in our book, you’re a business partner, one we know we can keep for life.


Our Team Strives to Improve Our Processes and Services Every Day

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When we started our business we had no idea the covereage we needed. The team at RRM helped us find the right coverage and continue to provide excellent support. We love working with them and recommend them to everyone!

Scott Cain Rhino Scooters

When all was said and done it was clear that Jerry and RRM was the right choice for us. I’m grateful to have an agent that is in my corner and is always there to answer questions and solve problems.  I have and will refer friends and family to Jerry and RRM Insurance Services, they get my highest recommendation.

-Anthony N.

I am a small commercial contractor and they have helped us walk through the bonding processes. They have been very respectful, welling to answer all of our questions, and provided great advice. The best part is that we have been able to do several public projects that require a bid bond and then a performance bond. They are really responsive and provide great service. I have no concerns giving them 5 stars and recommending them.

Rusty Riggs

It’s always a pleasure contacting Jerry Morris with RRM Insurance Services. For any insurance need we have, Jerry has always taken care of it swiftly and effectively. He has always provided sound advice and ensures to get us the best value and savings possible!

Vivian Solorio, CFO