Insurance Coverages

Especially for Worship Centers

Church Mutual insures more worship centers than any other insurance company in the world.

Church Mutual has been insuring worship centers since 1897. We understand the unique demands you face every day, and we understand your insurance needs. With more than 98,000 ministries insured, no company knows more—or cares more—about your safety and insurance.

To learn more about insuring your worship center, read Insuring Your Ministry: Points to Consider.

Eight reasons why Church Mutual might be a good choice for you.

• Personal service
• Comprehensive and specialized coverage
• Loss control services
• Fast and fair claim settlement
• Online claims reporting
• Low-cost payment plans
• Financial strength to weather the "storms"
• No-cost, no-obligation insurance needs analysis and proposal of coverage

Personal service. You'll receive personal service from specialized insurance professionals who are supported by knowledgeable customer service experts. Our staff works with religious organizations day in and day out.

Comprehensive and specialized coverage. We offer property, general liability, sexual molestation/misconduct liability, professional liability, employment practices liability, employee benefits liability, workers' compensation, auto, and umbrella liability insurance. The property and liability coverages are designed specifically for the exposures of religious ministries. More coverage details.

Loss control services. Our representatives will work with you to help reduce your chances of property damage, general and professional liability claims and employee injuries.

Church Mutual publishes Risk Reporter, a quarterly risk management newsletter. You can view and print all issues online or subscribe to receive your copy by traditional mail.

We also offer a host of other risk management videos, booklets and posters. You can view much of this material online or order online for delivery by traditional mail.

Fast and fair claims settlement. Your sanctuary occupies a central role in the lives, spirit and expectations of your congregation. It represents the shared commitment and sacrifice of many people. Church Mutual never forgets the significance of your trust in us. We are here to do only one thing, and do it well: to serve you.

That's why this statement guides our employees and independent adjusters with each and every claim they settle: you will look for facts favoring the insured as hard as you look for facts favoring the company. A questionable case should generally be slanted in favor of the policyholder, with the policyholder being given the benefit of the doubt.

Online claims reporting. Although most customers prefer to report claims to one of our claims service representatives by phone, we do offer an online option. It's easy and convenient, and you can report claims any time of day or night. More about online claims reporting.

Click here to learn what our customers have to say.

Low-cost payment plans. Low-cost payment plans are available in most states.

Financial strength. Church Mutual backs its coverage with an enviable record of financial stability. A.M. Best Company, the leading insurance industry analyst, has awarded Church Mutual a rating of A+ (Superior) for 56 consecutive years. Church Mutual has been named to the Ward's 50 Benchmark Group for nine consecutive years. The Ward's list recognizes the 50 companies that have excelled at balancing safety, consistency, and performance over a five-year period. More financial information.

No-cost, no-obligation insurance needs analysis and proposal of coverage. It will be designed specifically for your ministry. It is ideal to use as a benchmark when reviewing your present coverages. To request this service or for more information, follow this link or call (800) 554-2642 and select telephone menu "Option 1." Or, click here to view our agent directory.

Coverage references on this Web site are for illustrative purposes only and do not represent a policy contract. Refer to your Church Mutual insurance policies for complete descriptions of coverages, limitations, and exclusions. Some coverages may not be available in all states.


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