Gulfshore Insurance > Gulfshore Blog > Commercial Risk Management > The United Methodist Church Denomination Split, Preparing for an Insurance Change

Methodist ChurchIf your church is in the unfortunate situation of leaving its long-term affiliation with The United Methodist Church, the process may seem daunting. The success and efficiency of the process will depend on engaging the right professionals, experienced in working with churches and non-profit organizations.

Insurance, both property and casualty as well as health benefits, will be a critical component of the denominational departure process.  Because The Florida Conference of The United Methodist Church has historically self-insured all insurance risk, any break from the conference will require new insurance coverage and the selection of the local congregation’s own professional insurance advisor.  This advisor or agent should be able to provide you with the coverage all churches require, including: property insurance including hurricanes, general liability, automobile, umbrella, workers compensation, flood, directors & officers, employment practices, crime, cyber, pastoral professional, and sexual abuse coverage.  The insurance agency you choose to work with should be able to provide claims professionals, risk management resources (written safety programs, employee handbooks, liability waivers, and other formal documents), and access to the top five (5) insurance carriers that compete for church insurance coverage.

As you plan for the departure and move into the local congregation’s own insurance program, it will be important to collect the following items to make the transition as efficient as possible and to get the best terms and premium:

  • Current insurance summary available from
  • Name and FEIN of all entities
  • Addresses and number of buildings for all locations, including parsonages
  • Construction information on buildings (building type, sq ft, roof type, year of updates/improvements)
  • Building replacement cost valuation (agents and carriers can estimate this, but recent appraisals are preferred)
  • Personal property valuation
  • # of full/part time staff and pastors
  • # volunteers and board or council members
  • Child Protection Policy
  • Year, make, model for all vehicles
  • Name, DOB and license # for all drivers
  • Current financial statement
  • Current “Loss Run” report outlining claims on all policies (associated with your congregation) for the last four (4) years


Gulfshore Insurance is uniquely prepared to provide all the insurance necessary for congregations departing from The United Methodist Church. As one of the largest agencies on Florida’s west coast, with offices in Naples, Ft. Myers, and Sarasota, Gulfshore Insurance specializes in churches and has access to all specialty insurance carriers. This means the process is efficient, thorough and provides the lowest premiums available. Appointments or conference calls can be scheduled with Gulfshore Insurance’s Church and Non-Profit Practice Leader, John Keller, by contacting him at or 239-430-7541.

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John Keller, CRM ARM CIC AAI is Client Advisor & Risk Manager at Gulfshore Insurance specializing in non-profit and religious organizations. John works with a wide range of business clients to deliver strategic risk analysis and guidance. Comments and questions are welcome at