Steeple Source logo

Church Insurance Consulting

Protecting the Mission
of Your Ministry

Steeple Source is a specialized insurance advisory firm serving churches and faith-based organizations. We combine deep market expertise with a genuine call to ministry.

Faith-Based Organizations Only
Free Initial Coverage Review
We Represent You, Not the Carrier
No Obligation. No Pressure.
What We Do

Coverage built around your congregation

Most churches are underinsured, misclassified, or paying far too much. We fix that — with specialty coverage designed specifically for how ministry works.

01

Property & Liability

Sanctuaries, fellowship halls, classrooms, and all structures — covered at limits that reflect true replacement value, not outdated appraisals.

02

Ministry & Staff Protection

Pastoral professional liability, workers' compensation, volunteer coverage, and employment practices protection for your entire team.

03

Transportation & Events

Church vans, mission trips, special events, camps, and community outreach programs — coverage that moves with your ministry wherever it goes.

04

Program & Risk Review

Annual coverage audits, policy comparisons, and proactive risk management guidance tailored to your ministry's unique growth and needs.

The Landscape Has Changed

The church insurance market is shifting — and your congregation deserves to know

For decades, most churches were insured by a small handful of carriers with little reason to shop around. That era is ending. Premiums are rising, carriers are pulling back, and churches across the country are discovering their coverage wasn't what they thought it was.

$8.1B
U.S. Religious Institution Insurance Market
A specialized market dominated by just a handful of carriers — and currently undergoing significant disruption.
15–30%
Average Premium Increases in Recent Years
Churches renewing with the same carrier are seeing steep rate hikes with little explanation or advocacy on their behalf.
100k+
Churches Affected by Carrier Instability
Major specialty carriers are being downgraded, sold, or exiting the market — leaving churches scrambling for alternatives.
6.4%
Annual Market Growth Through 2033
Church insurance needs are growing — but the carriers equipped to meet those needs are fewer than ever before.
Most churches don't know their carrier is under pressure until it's time to renew. That's exactly when you need an independent advisor in your corner.
Why Steeple

We only serve the church

We didn't add churches to our book of business. We built our entire practice around them. That focus changes everything — from how we structure your coverage to how we show up when you need us most.

100%
Faith-based organizations — our only focus
Free
Initial coverage review, no obligation
Direct
You speak to a principal, not a call center
Fiduciary
We represent you, not the carrier
Specialty market access

We work with carriers who specialize in church and religious organization risk — markets most general brokers don't have relationships with or know how to access.

We know your exposures

From sexual misconduct liability to volunteer driver coverage to mission trip gaps — church-specific risks that general agents routinely miss or misclassify.

Claims advocacy

When a claim happens we advocate for your congregation — not the carrier. We know how to read policy language and fight for what you're owed.

Annual stewardship review

Every year we review your coverage against your ministry's growth and changes. No more set-it-and-forget-it programs that leave you exposed as you grow.

Two preachers' sons.
One mission.

TT
Taylor Thompson
Co-Founder & Principal
taylor@steeplesource.com
CU
Caden Ueckert
Co-Founder & Principal
caden@steeplesource.com

We didn't come to the church as outsiders looking for a market. We came as sons who watched our fathers pour their lives into their congregations — and who saw, over and over again, how little those congregations were protected when something went wrong.

Taylor Thompson and Caden Ueckert both grew up in the pew. Their fathers were pastors — men who gave everything to their communities, who counseled families through grief, who opened their buildings to the neighborhood, who led mission trips across the world. And like most church leaders, they trusted that their insurance was handled. Often it wasn't — not really. Coverage was generic, limits were outdated, and the exposures that made a church unique were rarely addressed at all.

"We watched churches we loved face moments of crisis without the protection they deserved. That's not a business problem — it's a calling."

After years in specialty commercial insurance — navigating complex programs, E&S markets, and niche coverage structures — Taylor and Caden came back to the place that shaped them. They founded Steeple Source with one purpose: to make sure no church leader ever has to discover a coverage gap at the worst possible moment.

Steeple is not a general agency that happens to write a few churches. It is a specialty consulting practice built entirely around the unique risks, exposures, and values of faith-based organizations. Every client we take on, we treat the way we would want our own fathers' churches to be treated — with expertise, with care, and with the deep respect that comes from knowing what the local church means to a community.

The mission of the church is too important to leave unprotected. That's why we exist.

Get Started

Request a free
coverage review

We'll assess your current program and tell you exactly what we find — no sales pressure, no obligation, no cost.

Honest assessment We'll tell you if your current coverage is adequate — even if that means we don't earn your business.
Response within one business day You'll hear from a principal — not a junior rep or automated system.
Your information stays private We never share, sell, or distribute your church's information. Ever.
Tell us about your ministry
We'll reach out within one business day to schedule your review.

Your information is never shared. We respond within one business day.

The Process

What to expect when you work with Steeple Source

We believe churches deserve a clear, pressure-free path to better coverage. Here's exactly what working with us looks like — from first conversation to long-term partnership.

01

Free Coverage Review

We start with a no-obligation conversation about your ministry. We'll review your current policies, identify any gaps or overpayments, and give you an honest assessment — no sales pressure, no obligation.

02

Ministry Application

To find you the right coverage, we'll walk through a comprehensive application together — covering your property, staff, programs, and exposures. We can complete it together on a call or send it to you to fill out on your own time. Either way, we make it easy.

03

Custom Coverage Proposal

With your application in hand, we go to market on your behalf. We compare options across our carrier network and come back with a clear, plain-english recommendation tailored to your congregation's specific needs and budget.

04

Seamless Transition

If you decide to move forward, we handle everything — the paperwork, the carrier communication, the policy setup. You stay focused on ministry. We handle the details.

05

Ongoing Stewardship

We don't disappear after you sign. Every year we review your coverage as your ministry grows and changes. And if you ever have a claim, we're in your corner advocating for you.