You are correct. Though it does depend on the state. We did check with the insurance underwriter to verify that we have coverage.
In many states, if you have a paid force, it must be a state certified group. It may not apply if you are volunteering.
It would be best to check with a lawyer in the church or for the church to verify the state requirements. In some areas, if you are a "safety team", note: no mention of security in the name, manuals or procedures, the laws for private security employees may not apply to you.
You need to do the research to make sure that you are legal.