A teen on a youth-group outing is struck by a car. Church leaders are charged with negligence in failing to supervise the group. The parents of the teen are awarded a huge settlement. My father was an insurance agent, so paying for the assurance of insurance was a given. What I didn't understand till years later was the resistance he met when trying to sell insurance to Christians.
Some churches still hold that line.
Except for law-mandated coverage, they trust God to help in times of trouble. Several years ago, when farmers in Michigan had to slaughter entire herds because of tainted feed, the church of my husband's parents collected enough money to get their farmers back in business. They took care of their own. But I'm certain most churches can't operate like that today. In addition to insuring themselves against losses from fire, flood, wind, and accidents, they must also consider liability coverage for church workers, property, and programs as churches become increasingly vulnerable to lawsuits.