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Addressing Common Queries and Concerns

Frequently Asked Questions

If you have questions, you’re not alone. We’ve compiled customers’ commonly asked questions, and we’re answering them in thorough detail here.

Explore FAQs

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Houses of Worship

How often should we review our insurance policy?

It is recommended to review your insurance policy annually or whenever there are significant changes in your house of worship's operations, property or activities. Regularly assessing your coverage ensures that you have adequate protection and can make any necessary adjustments based on evolving needs.

What types of insurance should a house of worship consider?

A house of worship should consider obtaining general liability insurance to cover accidents or injuries on the premises, property insurance to protect against damage to buildings or belongings and management liability insurance to safeguard against lawsuits related to leadership decisions.

Does our house of worship need insurance coverage?

Yes, it is recommended for houses of worship to have insurance coverage to protect against potential risks and liabilities that may arise, such as property damage, theft, accidents or lawsuits.

Nonprofits & Human Services Organizations

Why is having insurance important for nonprofit organizations?

Insurance can safeguard assets, cover legal costs and help mitigate potential risks,allowing nonprofits to focus on their mission without worrying about potential financial setbacks.

How does nonprofit insurance differ from regular insurance?

Nonprofit insurance is specifically designed to address the unique risks and needs of nonprofit organizations. It provides coverage tailored to protect against liabilities common in the nonprofit sector, such as general liability insurance, employment-related practices liability insurance (EPLI) and workers’ compensation insurance.

What types of nonprofits and human services organizations do you serve?

We’re proud to provide specialized coverage to purpose-driven nonprofits and human services organizations, food-related organizations, shelters and overnight facilities, arts and cultural organizations and many more.

Schools & Education

How often should schools and educational institutions review their insurance policies?

Schools and educational institutions should review their insurance policies annually or whenever there are significant changes to their operations, services or property. Regular policy reviews can ensure that the institution has adequate coverage and can make necessary adjustments based on evolving needs or regulatory changes.

Are school events and extracurricular activities covered by insurance?

School events and extracurricular activities can be covered by insurance, but it depends on the specific policy and coverage. It is important to review the insurance policy or consult with us to ensure that events and activities are adequately covered.

What types of insurance should schools and educational institutions consider?

Schools and educational institutions should consider obtaining general liability insurance to cover accidents and injuries on the premises, property insurance to protect buildings and belongings, professional liability insurance for educators and staff members, workers' compensation insurance for employees and possibly cyber liability insurance for data security risks.

Camps, Sports & Recreation

How often should we review and update our insurance policy?

It is important to review and update your insurance policy annually or whenever there are significant changes in your camps, schools or outdoor programs. Regularly assessing your coverage ensures that you have adequate protection and can make any necessary adjustments based on evolving needs, activities or property changes.

What is event cancellation insurance, and should we consider it for our outdoor programs or camps?

Depending on the nature of your outdoor programs or camps, it may be beneficial to consider event cancellation insurance to protect against  severe weather, natural disaster or other unforeseen events that may lead to event cancellation or disruption.

What types of insurance should camps, schools and outdoor recreation programs consider?

Camps, schools and outdoor recreation programs should consider obtaining general liability insurance to cover accidents and injuries, property insurance to protect against damage to buildings or equipment, professional liability insurance for instructors and possibly workers' compensation insurance for employees.

Property Insurance

Does property insurance cover losses due to natural disasters?

Property insurance can provide coverage for losses resulting from natural disasters such as earthquakes, hurricanes or floods. However, specific coverage may vary, so it's important to review your policy and discuss any additional endorsements or riders with Church Mutual.

What factors affect the cost of property insurance?

Several factors influence property insurance costs, including the value of your property, location, construction type, security measures, claims history and the desired coverage limits.

How do I determine the right amount of property insurance coverage?

Assessing the value of your property and its contents, including buildings, equipment and inventory, is crucial. Working with an experienced insurance provider like Church Mutual can help you accurately evaluate your assets and determine the appropriate coverage limits.

What does property insurance cover?

Property insurance covers physical assets such as buildings, equipment and contents against risks like fire, theft, vandalism and natural disasters.

Liability Insurance

How much liability insurance coverage do I need?

The amount of liability insurance coverage you need depends on various factors, including the nature of your business, the risks involved, and the industry standards. It is advisable to work with your insurance provider to assess your specific needs and help determine the appropriate coverage limits.

What types of liability insurance are available?

There are various types of liability insurance, including general liability insurance, professional liability insurance (also known as errors and omissions insurance) and umbrella liability insurance, among others.

Why is liability insurance important?

Liability insurance is important because it can help protect you or your business from potentially devastating financial losses due to legal claims.

What is liability insurance?

Liability insurance provides financial protection against claims or lawsuits resulting from injuries, accidents or property damage caused by you or your business. It can cover legal defense costs and potential settlements or judgments.

Workers’ Compensation Insurance

Do I need workers' compensation insurance for my business?

In most jurisdictions, workers' compensation insurance is required for businesses that have employees. The specific legal requirements vary by location, so it is important to consult the regulations in your area to determine if you need coverage.

What is workers' compensation insurance?

Workers' compensation insurance can provide wage replacement and medical benefits to employees who suffer work-related injuries or illnesses.

Workers' Compensation Payroll Audit

Can you give me a premium breakdown between the church and the school?

The final audit statement will be mailed after the audit is processed. It will breakdown the audit by each code.

What is the reason for the audit charge?

Generally, the estimated payrolls on the policy were lower than the actual payrolls reported causing an increase.

My policy with Church Mutual is cancelled. Why do I have an audit form to fill out?

Even though your coverage is cancelled, the payroll information we are requesting is for the period coverage was provided.

What if I made a mistake on my audit, how do I correct it?

You can submit a revised audit making note of the corrections and why. It will be reviewed to determine if a revised audit should be processed. Or you can contact us by email at premiumaudit@churchmutual.com and ask if a correction is needed.

What is the procedure for submitting audit information?

You can submit the audit via fax, email or online. If the audit is late, there's no penalty, but timely submission is encouraged to avoid additional charges. A spreadsheet or report from accounting software can be used, provided it contains necessary details and excludes personal identifiable information.

How do I report rent-free living?

This value is determined by using the fair market value of similar accommodations in the vicinity or you can write, 'Yes' in the column and we will use our standard yearly rate.

What wages do I report?

Report all gross wages, including bonuses, housing allowances and health insurance premiums paid by employees. Do not include reimbursements like mileage or utilities. For contractors, only include the amount paid for labor, not materials.

Who should be listed on the audit form?

Include anyone who received a W-2 or 1099 during the audit period, such as past employees and contractors. Contractors with their own workers' compensation coverage need not be listed.

What is the audit period and why is it important?

The audit period is the same as your policy period, looking back at the prior year. It's essential for workers' compensation coverage, as it's based on estimated payroll. When your policy expires, we send out the audit form to gather the actual payroll for the audit period. Each state bureau requires we obtain payroll audit information at the end of the policy term. This is also a condition of your workers' compensation policy.