Our Products

Congregational is a leading church insurance brand in the UK, offering cover specifically designed for places of worship and associated properties. Our main priority is to ensure that policy cover continues to meet the evolving needs of churches. By actively listening to customers we are able to meet the demands of the church market now and into the future. Please go to our policyholder area if you are already a Congregational customer.

Benefits of insuring with Congregational:

  • Specialist and experienced team managing all aspects of your policy administration

  • Excellent customer service – 98% of policyholders renew their Congregational policy each year

  • Policies are available through specialist insurance brokers as well as on a direct basis

  • In-house specialist claims handlers based at our head office in Bradford

  • Additional support provided to assist in the management and protection of places of worship

  • Policies are underwritten by International Insurance Company of Hannover SE UK Branch, part of the Hannover Re group of companies, one of the world’s largest reinsurers, with an S&P rating of AA-

  • Option to pay monthly by direct debit

  • 100% of claimants would recommend Congregational and 98% of claimants were satisfied with the final outcome of their claim - claim survey July 2018

Church Insurance

A church choice policy offers cover specifically designed for places of worship including cover for a wide range of outreach activities.

See our church insurance policy cover and benefits
Manse Insurance

A manse policy provides insurance cover for church owned residential property including its buildings and any contents belonging to the church

See our manse insurance policy cover and benefits
Business Insurance

A business choice policy offers insurance cover specifically designed for individuals and organisations undertkaing business activities.

See our business choice policy cover and benefits

Church choice insurance

Policy cover and benefits:

  • Buildings and contents

    with option to include accidental cover

  • External metal theft

  • Extended cover for items

    optional cover is available to insure property on an "all risk" basis either within your church or anywhere in the world.

  • Loss of money

  • Loss of income

    up to £75,000 over 24 month indemnity period

  • Employers liability

    £10,000,000 any one event including legal costs & expenses

  • Public liability

    £5,000,000 any one event
    option to increase to £10,000,000

  • Publishers indemnity

    £100,000 any one period of insurance

  • Trustees' and officers' indemnity

    £100,000 any one period of insurance

  • Personal accident

  • Legal protection

    £100,000 each claim for legal expenses.
    £1,000,000 any one period of insurance for compensation awards

The information above refers to just some of the main features and limits of our standard church choice policy – it does not provide all of the terms, conditions and exclusions of the policy. For more details please refer to the church overview and policy booklet.

Manse insurance

Policy cover and benefits:

  • Buildings cover

    Sum insured amount selected by you

  • Contents cover

    cover available for contents belonging to the church at an amount selected by you

  • Optional accidental cover

  • Damage by emergency services

    up to £5,000 any one period of insurance

  • Lost or stolen keys

    up to £1,000 each claim

  • Public liability

    up to £5,000,000 any one event plus legal costs and expenses

  • Tracing and accessing leaks

    £5,000 any one period of insurance

  • No claims discounts available

The information above refers to the main features and limits of our standard policy designed for manses – it does not provide all of the terms, conditions and exclusions of the policy. For more details please refer to the overview and policy booklet.

Business choice insurance

Policy cover and benefits:

  • Range of optional covers available

  • Buildings and contents

    with option to include accidental and/or subsidence cover

  • Extended cover

    Any item would need to be specified on your schedule

  • Loss of money

    Limits apply see policy booklet for more details

  • Business interruption

  • Employers’ liability

    £10,000,000 any one event including legal costs & expenses

  • Public liability

    £5,000,000 any one event
    option to increase to £10,000,000

  • Products liability

    £5,000,000 any one event
    option to increase to £10,000,000

  • Personal accident

    See policy booklet for table of benefits

  • Goods in Transit

    Limits as shown in the policy booklet or as shown in your schedule

  • Frozen food

    Limit as shown in your schedule

  • Fidelity guarantee

    Limit as shown in your schedule

  • Boilers, plant and computer equipment

  • Terrorism

The information above refers to just some of the main features and limits of our business choice policy – it does not provide all terms, conditions and exclusions of the policy. For more details please refer to the policy booklet.