Church Insurance

White Community Church.  Colonial style.

The  church insurance needs of Religious Institutions goes far beyond the “typical” Church exposure of the sanctuary to now include the risk that comes from offering child care, mission activities, sports or musical programs, church buses and all the other normal day to day realities of today’s Church or Synagogue.

For over 40 years we have been working with Religious Institutions from a variety of different denominations located throughout the Tri-State Region on their church insurance programs.  Let us walk your Church Leadership through the maze of coverage vital to protecting your ability to perform your ministry.  We can help locate the risks associated with your particular mission and match up coverage to be sure you and your congregation are protected.

The specialized insurance companies we work with include but are not limited to:

  • Liberty Mutual
  • Preferred Mutual
  • GuideOne Insurance
  • Cincinnati Insurance
  • Selective Insurance
  • Philadelphia Insurance Company

The coverage we offer includes but is not limited to:

  • Workers’ Compensation Insurance
  • General Liability Insurance
  • Buildings and Contents Insurance
  • Church Auto Including Buses Insurance
  • Umbrella Insurance
  • Fine Arts Insurance
  • Directors and Officers Liability Insurance
  • Cyber Liability Insurance
  • Crime Insurance
  • Pastoral Counseling Insurance
  • Loss of Church Income Insurance
  • Abuse and Molestation Allegation Defense Insurance
  • Participant Accident and Health Coverage Insurance
  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Group Life and Disability Coverage
  • And many other types of insurance.

For more information, please contact us today at 845-561-1706.  John, Cathy, Jack or James would love to help you find out more about protecting your ministry.

We are proud to have worked with well over 300 such organizations spread from the tip of Long Island to the Canadian Border and everywhere in between including Manhattan.  Below is a few of the kind words that have been shared that attest to our expertise in working with these institutions:

“My church has worked with William A Smith Insurance for many years. When we have the need for a new policy or a concern it is like calling friends up to get it resolved. They have always been friendly, helpful, wonderful folks to work with.” – Church client

“In the world of doing business, professional boundaries and protocols rule the day.  But, with William Smith and Sons, Memorial has enjoyed a warm and caring relationship.  Their professionalism is without question but their heart is what makes them a great office to work with.  They show concern and courtesy while offering the competent business acumen that is required to succeed in their field.  William Smith and Son, along with all their employees, is a class act.”  —Church client

Request a Quote

Best way to contact you?

Type of Insurance Needed:

You will be contacted within 1 business day.

Privacy Policy

At William A. Smith & Son, Inc. our goal is to professionally and respectfully serve the personal and business insurance needs of our insureds and claimants. Information which you provide or we collect about you when you apply for insurance or when you file a claim helps us to achieve that goal. You provide us with most of the information about you that we use in evaluating your application and servicing your insurance policy or your claim. This enables us to provide coverage to you at the best price or to service your claim promptly and fairly.

We know that the trust of our insureds and claimants is our most important asset. This includes the trust that we will keep the information about you secure and treat it only as permitted by law. This disclosure and notice tells you about the privacy policy we have adopted and the practices we use in handling this information.

1. Information We Collect:
We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us, our affiliates or others;
  • Information we receive from a consumer reporting agency; and
  • Information we receive from a department of motor vehicles and from a Comprehensive Loss Underwriting Exchange


Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected from you.

2. Information we may disclose to third parties:
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

3. Our practices regarding information confidentiality and security:
We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

4. Reservation of the right to disclose information in unforeseen circumstances:

In connection with potential sale or transfer of its interests William A. Smith & Son, Inc. and its affiliates reserve the right to sell or transfer your information (including, but not limited to, your name, address, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that 1) concentrates its business in a similar practice or service; 2) agrees to be William A. Smith & Son, Inc.’s successor in interest with regard to the maintenance and protection of the information collected; and 3) agrees to the obligations of this privacy statement.


Compensation Disclosure

Dear Clients and Prospects:

The State of New York and many other states require that Insurance Producers and Agencies disclose how they are compensated by Insurance Companies. William A. Smith & Son, Inc. and its affiliates and subsidiaries receive various forms of compensation or commission from the insurance companies we place insurance policies with. Below is an outline of this compensation. More detailed information is available if you require it, pursuant to the Insurance Department Regulations.

This information is provided pursuant to New York State Insurance Department Regulation 194 (11NYCRR30.3).

  1. Compensation.  Based on the sale of the insurance selected by you (“the purchaser”), the total compensation expected to be received by Smith William A & Son Inc. , Orange Benefits Partners or William A. Smith & Son Insurance Agency, LLC (“the producer”), including by any parent, subsidiary or affiliate of the producer,  is as follows:Known Compensation.  The producer (including any parent, subsidiary or affiliate of the producer) expects to receive a  percent of the one-year premium you pay on this policy.

    Estimated unknown additional compensation.  Based on some sales of insurance, the producer (including any parent, subsidiary or affiliate of the producer) may be eligible to receive additional compensation depending on a number of factors including premium and policy volume, losses and profitability.  If an estimate appears below, the sale of the insurance selected by the purchaser may help the producer (including any parent, subsidiary or affiliate of the producer) qualify to receive additional compensation, the exact amount of which is unknown at this time.      Unknown compensation is estimated to be 0% to 3%.

  2. Producer prohibited from rebating compensation.  There are a number of sections of the Insurance Law that pertain to rebating and inducements and each has specific applicability to different kinds of insurance.  Collectively those provisions prohibit an authorized insurer, licensed insurance producer, or any person acting on behalf of any such insurer or insurance producer from directly or indirectly paying or offering to pay an insured any rebate from the insurance premium specified in the insurance policy or contract, or giving or offering to give any valuable consideration or inducement, not specified in the insurance policy or contract.
  3. Material Ownership.  The insurer issuing the insurance contract to the purchaser (including any parent, subsidiary or affiliate of the insurer) has material ownership interest in the producer (including any parent, subsidiary or affiliate of the producer), as follows:  None

Not all quotes are created equal! Give us a call after you’ve received yours. We would love the opportunity to go over it with you and be sure you are getting the best coverage at the best price.