We bring our knowledge and expertise to provide you with specific insurance solutions to meet and exceed your needs.
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Business Insurance
We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.
Personal Insurance
Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.
Personal Insurance
Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.
About Karl Johnson Agency Inc.
Having served our clients since 1991, we have over 20 years of insurance knowledge, we understand the changing trends and demands of the insurance marketplace.
Our mission is to provide our clients with great service and great products. Karl Johnson Agency, Inc. provides personalized service with honesty and integrity.
Our experienced, honest and knowledgeable staff is always eager to assist you throughout the insurance process. We work hard to find the best rate, and more importantly, the best company to match your needs. We welcome the opportunity to gain your trust and to earn your business. Our commitment is to our clients’ satisfaction and their insurance needs.
Please feel free to contact us with any and all questions you may have. We look forward to hearing from you.
About Our Agency
Our Core Values
Specialized Coverage
Our primary focus is on insuring houses of worship and non-profits, as well as business and personal insurance.
Knowledge & Experience
With nearly 30 years of experience in the insurance industry, we know what it takes to bring you the right coverage.
Long-term Relationships
Building relationships with clients is what drives us to do what we do best—offering quality insurance services.
Explore Church Insurance
There’s more to insurance than the price of the policy.
Explore our interactive graphics and learn about your unique risks and the related insurance solutions.
Business InsurancePersonal Insurance
Stained Glass Insurance
Risk Factor
Stained glass is often very valuable and sometimes priceless. Several hundreds of thousands of dollars might be needed to refurbish the stained glass. If it’s damaged by vandalism, hail, fire, or other means, it can be very costly to fix. Finding a qualified contractor may also be challenging.
Solution
Depending upon your insurance coverage, an appraisal of your stained glass damage could be free of charge. In addition, consider including the value of the stained glass in the building limit of the church, and also include coverage under the church’s blanket limit. Some insurance companies may treat stained glass as part of a fine arts floater. Either way, this helps ensure the proper coverage in the event that something bad happens.
Abuse and Molestation Insurance
Risk Factor
There are hundreds of reports each year of people being sexually abused by clergy, church staff, volunteers, and congregation members. Countless more are abused without any report being made.
Solution
Obtain the proper abuse or molestation coverage to protect the church in the event of an allegation arises. In addition, consider having a written document to address how to prevent sexual abuse from happening and what to do in the event of an allegation.
Non-Owned Auto Insurance
Risk Factor
Church volunteers and employees often use personal vehicles to do work for the church.
Solution
Make sure to add hired and non-owned auto coverage to the church’s insurance policy to cover this exposure. Also, check the motor vehicle records for anyone who drives other members…especially kids.
Religious Freedom Insurance
Risk Factor
Churches sometimes have very closely held beliefs that may open them up to potential lawsuits in the event the church’s beliefs cause someone else to feel wronged. An example might be a church refusing to perform a same-sex marriage, which results in a lawsuit.
Solution
Consider adding religious freedom coverage. This insurance can protect the church in the event it is sued because of closely-held beliefs core to the church.
Directors and Officers Liability Insurance (D&O)
Risk Factor
Almost all churches have some form of board of directors that makes financial and operational decisions on behalf of the congregation. An organization once sued a church for improperly using their trademarked property while promoting a fundraising event. The total loss and defense costs totaled $400,000.
Solution
Directors and officers liability insurance protects the decision-makers of the church from lawsuits and claims. Instead of suing the individuals directly, the lawsuit would be defended by the church’s D&O policy. Most people who serve on a board in a volunteer capacity should demand this coverage before serving.
Church Roof
Risk Factor
Roof claims are the most common claims that churches face. Each year, billions of dollars of damage are typically paid as a result of storm damage.
Solution
Ensure you have the proper coverage and confirm that you are insured to full replacement value. In addition, make sure your insurance policy includes replacement cost coverage for roof claims for wind and hail.
Church Security
Risk Factor
Security in churches is becoming a larger issue as attacks have increased in recent years.
Solution
Every church should have a security plan. This plan should detail where parishioners go in the event of an emergency, which entrances are open during worship times, who should contact the authorities, how to spot someone who may pose a security risk, and how to react to someone who is trying to cause harm to parishioners.
Professional Liability Insurance
Risk Factor
Pastors often find themselves giving counseling to couples or other church members. In addition, pastors could be at risk of a lawsuit for what they say in the pulpit.
Solution
When it comes to counseling, pastors should have clear guidelines on what is acceptable in a counseling situation. In addition, pastors should be trained to know what needs to be reported to the authorities in the event of an extreme situation. Adding professional liability coverage to your church’s insurance policy can help protect the pastor and church from claims or lawsuits arising from what the pastor says at the pulpit or when teaching or preaching.
Visit Our Office
Eagan, MN Office
4266 Sequoia Drive
Eagan, MN 55122
We are proud to serve clients from our local Eagan, MN office.
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Insurance Quote Request
As an independent agency, we offer multiple options at competitive prices.
1 Office. 3 States.
Eagan, MN Office
4266 Sequoia Drive
Eagan, MN 55122
We are proud to serve clients throughout Minnesota, Wisconsin and North Dakota from our local Eagan, MN office.
Contact Our Office