Workers' Compensation Insurance

Regardless of whether you realize it or not, churches and formal organizations with four or more employees are required by Florida law to carry workers’ compensation coverage (WCC). At Beacon Insurance Agency, we encounter a vast number of clients who are unaware of this important fact and are under the misconception that their small number of employees exempts them from the need for workers' compensation insurance or that they cannot afford the cost of WCC premiums. It’s extremely important to all churches, non-profit service organizations, and private schools to be fully informed about insurance coverage. Regardless of size or financial situation, those who are not required by law to provide worker’s compensation coverage are still responsible for any lost wages and medical bills if an injury occurs during the performance of work-related duties.
Another common misconception about workers’ compensation insurance coverage relates to pricing and premium amounts. In our specialization as a church insurance agency, we offer options tailored to meet the unique needs of our clients, with policies in workers’ compensation for churches with an annual cost of less than $1,000. Premiums are based on payroll, and for clients who have only one or two employees, the premiums are actually far more affordable than they may realize.

In our dedicated service as a church insurance provider for clients of all sizes all across the Gulf Coast, we offer something that many other carriers in Florida do not, providing workers’ compensation insurance policies even for clients whose low payrolls result in lower premiums.

As a carrier of GuideOne, Beacon specializes in offering workers' compensation for churches that provide employer liability coverage as well as coverage for medical expenses and lost wages.

It’s crucial to the future of your church to know whether you have adequate workers' compensation insurance coverage in the event that one of your employees is injured in the execution of their duties. The legal fees, medical costs, and lost wages that can arise from workplace injuries could be too great for your church to pay, so having financial protection in place is key to ensuring that you can safely continue serving the people you’ve been called to reach.

workers compensation insurance

Are You Protected?

Community outreach and ministry put your church in a number of situations that are not standard for every type of business. Common circumstances that might require workers’ compensation insurance coverage include:

  • Involvement in an auto accident resulting in serious injury
  • Minor Injuries
  • Slip and Falls
  • Sprains and Fractures


As one of the nation’s leading church insurance program providers, GuideOne Insurance has nearly 50,000 customers. Learn about our specialized insurance policies today!


We now offer insurance to private schools and Christian schools. We offer policies specifically to ensure that your grounds and everyone on them is thoroughly protected.


Beacon Insurance Agency now provides affordable insurance for nonprofit organizations that cover everything from the property to the people on your staff.

Receive Specialized Workers' Compensation Insurance Today!

Specialized Workers' Compensation Insurance

In our work with churches, non-profit organizations, and private schools, the agents at Beacon understand the unique challenges that you face in accomplishing your missions and serving the community and work with our clients to find the solutions they need. The GuideOne workers’ compensation policies we offer provide coverage for:

  • Wage replacement for employees who are disabled by work-related injuries or illnesses. By law, replaced wages should be adequate, equitable, prompt, and certain; and injured workers are entitled to replacement of their wages for the period of time that they are totally or partially disabled. With wage replacement coverage, your church is financially prepared, and cash benefits are computed as a percentage of the worker’s wages.
  • Restoring disabled workers by paying for any medical/vocational rehabilitation deemed necessary in order to enable the employee’s return to productive employment? As an employer, you are required to provide medical care to workers at no cost to them in order to restore them to their former physical condition. With workers’ compensation coverage, your church will have a financial provision in place to pay costs including:
    • First aid treatment
    • Physician services
    • Nursing care
    • Medical supplies
    • Prescription medications
    • Surgical care
    • Hospital services
    • Medical/vocational rehabilitation

While many ministers are paid as independent contractors rather than as actual employees of the church, most state Workers’ Compensation bureaus do not consider members of the clergy as contract workers because of the unique relationship of the employer and employee. It’s extremely crucial to ensure that your church provides your minister with full workers’ compensation coverage from GuideOne Insurance.

Frequently Asked Questions

In the event of workplace injury, illness, or death, many questions will arise that your church will need to be prepared to answer.

Q: Does workers’ compensation insurance replace an employee’s severely health or disability insurance?
A: No. Workers’ compensation is solely for the coverage of workplace/work-related injuries or illness.

Q: Do workers’ compensation laws cover volunteer workers and minors?
A: Generally, volunteers are not covered because they are not considered employees. Minors, however, are covered due to the fact that many states impose substantial penalties for injuries suffered by minors who have been employed in violation of labor laws. Most often, WCC benefits are doubled in these situations, and the employer is responsible for paying the additional amount.

Q: How are premium amounts determined?
A: WCC premiums are based on employee compensation and wages that are subject to various job classification rates, the most typical for church policies including classifications of church professional, teacher, clerical, and janitorial.

Q: How are wages determined?
A: Wages are based on payroll records and include such cash allowances as housing, reimbursed Social Security payments, education, and utilities. However, employer payments of pension, reimbursement for business expenses, health insurance coverage, or annuities should not be included in wage calculations.

Keep your ministry team in strong working order with workers’ compensation insurance! Call the experienced agents at Beacon Insurance Agency to learn more today!