Welcome to the Gearhart Church Insurance Group - We Are Here To Serve You!

Contact Us


P.O. Box 280

Carbondale, IL 62903

8:00 am – 4:00 pm

Week Days

Call Quote Church Insurance Brotherhood Mutual Agency

Protecting Your Ministry

The Gearhart Church Insurance Group is committed to meeting the insurance needs of the Heartland's Churches and Related Ministries. We are uniquely qualified to offer risk management advice and provide insurance products to meet your needs.


We are equipped to help you with:

We will perform an insurance survey to determine the estimated replacement costs of the buildings and advise you about conducting an inventory of your personal property.

We will inquire about your current church activities; those provided for the church for spiritual growth and fellowship as well as those created as outreach to the community. This information will be used to suggest proper liability coverage items and limits for your insurance program.

We will inquire about the ways in which church owned and non-owned vehicles vehicles are utilized in your ministry. Close attention should be paid to procedures and auto policy liability limits when vehicles are used extensively for outreach programs.

We will ask about the various children ministries your church has implemented. After years of training and experience insuring such ministries, we can help you put programs and procedures in place that are designed to protect the children of your church from sexual abuse.

We can advise you on the various financial procedures that could minimize the opportunity for employee dishonesty.

We will review your Workers Compensation policy and provide the Employer Liability limits that you choose. We will also ascertain whether it reflects accurate job classification codes and remuneration figures of those in your employ.

We have many Christian schools and Daycares as clients. We can assess your risk based on attendance, activities, and size of staff to provide coverage to protect this vital ministry.

If your church is sponsoring a mission trip, we will advise you about the coverage contained in your policy and help protect your team on a short-term mission trip.

Building projects require specific insurance protection. Builders Risk insurance will be provided as well as coverage for the church if it chooses to be the General Contractor.

What Our Customers Say