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Protecting Your People, Property and Mission

Specialized Property Insurance, Tailored to You

For more than 125 years, we’ve been dedicated to serving purpose-driven organizations like yours. As a specialized insurance provider, we understand your unique risks and are focused on protecting your space, equipment, physical structures and other physical assets so you can focus on driving your mission.

What Is Property Insurance and Why Does It Matter?

Property insurance protects the physical assets of an organization, be it a house of worship, nonprofit, camp or school. This type of insurance ensures these institutions can recover and continue their vital operations following an unexpected event, such as fire, vandalism or natural disaster.

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Asset Protection

Property insurance safeguards your organization’s physical assets. The coverage ensures these assets can be repaired or replaced, minimizing financial loss and allowing your organization to continue operations.

Business Continuity

Don’t let unexpected events derail your mission. Property coverage ensures necessary repairs or replacements can be made promptly, minimizing disruptions and allowing organizations to continue religious services, educational programs and community outreach activities without prolonged interruptions.

Peace of Mind

By having comprehensive, tailored insurance, organizations like yours can have confidence that their physical assets are protected. This peace of mind allows leaders, employees, volunteers and members to focus on their core mission, knowing they have reliable insurance coverage in place to mitigate potential risks and challenges.

Common Types of Property Insurance

A range of property insurance coverages can be tailored to your specific needs. Below are some of the most common options, though our offerings extend beyond these.

Property endorsements/Additional coverage forms

Property endorsements and additional coverage forms are available to customize your policy and enhance protection. Some commonly selected endorsements for property are:

  • Business Income Insurance helps cover the loss of income when your organization can't operate due to property damage from a covered event. The loss is calculated based on your organization’s net income, which is the difference between your revenue and expenses.
  • Legal Liability Coverage can be added to cover costs if your organization must pay for damages due to accidental physical loss or damage to someone else's property in your care. This includes the loss of use of that property.
  • Ordinance or Law covers losses resulting from the enforcement of building ordinances or laws. This can include the value of the undamaged portion of a building that must be demolished, the cost to remove debris when demolition is required by building code and the increased cost to repair or rebuild the property resulting from enforcement of a building, zoning or land use law.
  • Builder’s Risk Coverage is needed when constructing or remodeling a building. It covers damage to the building and materials during construction, as well as theft of building materials.
  • Key Person Replacement Expense covers the costs of replacing a key person if they are unable to continue in their role due to having an accident covered by the policy during the policy period.
  • Niche Specific Enhancement Endorsements - Policy enhancements specific to the mission of your organization have been developed and are available to provide a comprehensive coverage package for you.

Property Insurance Next Steps

Interested in protecting your organization’s property? We’ll work with you to assess your specific needs and determine the most appropriate coverage for your unique circumstances.

Prospective Customers

New to Church Mutual? Welcome! We’re excited to help you protect your people, property and mission. Simply enter your industry below to get started on a personalized quote.

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Existing Customers

If you’re an existing customer with a question about your policy, you’re in the right place. Find your local rep by entering a few details below.

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