Independent, church-focused insurance brokerage
Insurance and Risk Strategy for Churches
For congregations with multiple buildings, campuses, schools and childcare, and complex property schedules. We structure the program, take it to market, and stay with you through renewal and claims.
Prefer to talk? Call Jake at 978.712.0111.
For churches with multiple buildings or campuses, a school or licensed childcare, or large property schedules.
15+
years serving on church boards and governance committees.
Independent
Access to carriers that fit your church. Accountable to you, not quotas.
500+
weekly attendance, the size of church we’re built for.
Nationwide
Church programs placed across the country.
Multi-campus and multi-site
Per-location schedules, shared-services structure and umbrella limits designed around how your campuses actually operate.
Built for churches with more moving parts
We work with congregations whose programs have outgrown a standard church package.
Schools, preschools and childcare
When a church opens licensed childcare or a school, the insurance program has to be rebuilt, not adjusted. We design it that way from the start.
Large and historic properties
Replacement-cost valuation, per-building scheduling and ordinance-and-law planning for sanctuaries, gyms, auditoriums and commercial kitchens.
Boards, staff and governance
Directors and officers, employment practices, sexual abuse, and workers' compensation structured for churches with paid staff and layered oversight.
One building becomes a schedule.
Each campus, building and lease has its own values, construction, protection and valuation basis. Blanket versus per-location limits, and how one large loss reaches the rest of the ministry, become design decisions, not defaults.
What changes when a church outgrows a small-church program
One ministry, many locations
The program stack
Children's ministry becomes an operation.
A school or licensed childcare adds educational liability, student accident coverage, different workers' compensation class codes and more abuse-prevention scrutiny. The program changes shape.
Governance gets layered.
Boards, executive staff, central services and campus pastors mean directors and officers, employment practices and umbrella limits need to be built for more people and more exposure.
Lines Property · General liability · Umbrella · Directors & officers · Sexual abuse · Employment practices · Workers' compensation · Auto · Cyber · Crime
Multi-Campus Programs
One program across every site: scheduled locations, leased-space requirements, shared staff and the umbrella that sits over all of it.
Where we start with a church your size
Schools & Childcare
Programs rebuilt for licensed childcare, preschools and K-12, from workers' comp class codes to student accident coverage.
Program Review & Broker of Record
Benchmark your current program. Keep your carrier and change your broker, or take the program to market.
Review
We start with your policies, schedule of values and loss runs. Whatever you have is a good start.
How we work with a church your size
Benchmark
We compare limits, structure and cost with comparable churches and flag gaps before anything goes to market.
Market strategy
We decide with you whether to renegotiate with the incumbent, approach alternatives or bring in specialty markets, and we control the order carriers are approached so the market is not blocked.
Service and claims
Mid-year check-ins, certificate and contract support, help through the claim, and renewal preparation that starts about 120 days out.
- Licensed insurance broker · MA #19804453
- 15+ years on church boards
- M.S. Mechanical Engineering
A broker who has sat on your side of the table
Jake Lubinski founded Hale Street Insurance to bring the kind of risk strategy usually reserved for corporate clients to large churches. He has served on church boards and governance committees for over 15 years, co-founded financial software used by more than a thousand churches and nonprofits, and spent more than 10 years as an operating executive after earning a master's degree in mechanical engineering.
Your account is supported by our entire team
Independent: your program goes where the best terms are
We aren't tied to one carrier. Through our own appointments and our partnerships, we take church programs to regional and national markets nationwide, and we negotiate on coverage terms, not just price. For the largest and most complex risks, specialty and surplus-lines markets can come into play.
Insights for executive pastors and church boards
Is Hale Street the right fit?
We're typically the right fit if your church has:
Multiple buildings or campuses
A school, preschool or licensed childcare
Large or historic property values ($10M+ insured)
Paid staff, a board and layered governance
A board that wants an independent benchmark of its program
Smaller or single-site?
We're glad to point you to good resources and a sensible starting point. If you're growing, planning a second campus or opening a school or childcare, tell us more.
Questions executive pastors and boards ask us
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You share your current policies, schedule of values and loss runs. We benchmark limits, structure and cost and tell you where we see gaps, whether or not you change brokers.
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Often, yes. A broker-of-record letter changes who services your policies without changing the carrier, coverage or premium. We'll tell you if we recommend going to market instead.
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Each campus and building is scheduled with its own values, construction and protection details, and we review how limits, blanket versus scheduled coverage, and the umbrella respond across sites.
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The program is rebuilt: workers' compensation class codes, student accident coverage, educator and abuse liability, and how the school entity is insured.
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Yes. Hale Street is based in Boxford, Massachusetts and, with its licensed partners, places church programs nationwide.
Planning a renewal, a new campus, or a school or childcare launch?
Start with a program review. Send us your current policies, or call and talk it through.
Prefer to talk? Call or text Jake at 978.712.0111.
We do not use your information for marketing and we do not share it.