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State Farm Florida phases out insurance for churches

The Rev. Thomas Hanson’s pastoral specialty is providing spiritual direction to the churches he serves.

“I like working with congregations to figure out what their strengths are, what their communities need” and helping them with “planning, direction and vision,” said Hanson at St. Mark’s Evangelical Lutheran Church in Jacksonville.

But lately Hanson, like hundreds of other Florida ministers, has had to think about their organizations’ insurance polices.That's because State Farm Florida recently announced it is to leave the company to provide places of worship in the Sunshine State.

The company said its share of this market has been declining in recent years. It was profitable in part because rising costs of hurricanes and other storms since 2004 and because state laws do not allow the flexibility to price some of its insurance products.

State Farm Florida - which is different from the company that provides auto insurance - applied in 2009 to retire to Florida but was denied.Now it is the removal of his church, less profitable and trade policies, spokesman Chris Neal said. Congregations have until their current policies expire in finding a new cover.

This will leave the company with the owners and large commercial customers, Neal said.

"What this is really is to reduce our exposure" to the risk of storm-related payments, and "Florida, it's not if but when you get this big storm," said Neal.

The company would not provide an exact number of religious institutions affected or provide a regional break down. Neal said he was less than 1000 throughout the state.

But several First Coast insurance agents contacted the Times-Union to say they’ve been busy working to connect congregations with new insurance policies. Matt Carlucci, Jr., of Brightway Insurance said he’s in talks with a dozen local churches and guesses there could be up to 500 in North Florida.

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