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Fiduciary Liability Church

Fiduciary liability insurance is targeted at protecting church’s and employers’ assets against fiduciary-related claims of mismanagement of a church’s employee benefit plans

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  • Church employee benefit plan managers


  • Legal expenses of defending the claim
  • Financial losses the plan may incur
  • Certain fines and penalties
  • Personal liability for fiduciaries

Cost Factors

  • Number of employees
  • Amount of funds invested in benefit plan
  • Deductible

Claim Examples

  • Failure to enroll
  • Improper advice on eligibility
  • Imprudent investment
  • Improper benefit calculation
  • Wrongful termination
  • Reduction in retiree benefits
  • Failure to adequately fund a plan

Fiduciary Liability insurance helps protect churches from claims of mismanagement and the legal liability related to serving as a fiduciary. If your church sponsors a retirement or health plan for employees, and if you are involved in any way with the management of that plan, you are likely considered a fiduciary.

Fiduciary Liability policies are claims-made policies that have a retroactive date. Make sure the retroactive date is appropriate for your situation. A trusted insurance advisor can help you out with that determination!