Church Mutual Property Insurance Review & Complaints

• Church Mutual offers policies for property, prized possessions, professional, employment and cyber liability, international travel, crime, and worker compensation
• Church Mutual registered $1 billion worth of policy premiums in 2020, and scored an A rating from A.M. Best Company
• You can buy Church Mutual policies or make claims through the company’s website or via telephone, fax, mail, or email

There are many religious and faith-based organizations across the U.S. According to Claus IQ, there are as many as 308,409 religious and faith-based organizations, each with assets amounting to $133 billion. Many of these organizations need insurance coverage for assets this high in value.

So, this article will discuss Church Mutual Insurance and explore what it offers its clients.

What is Church Mutual insurance?

Church Mutual Insurance is one of the few insurance companies in the U.S. that offers insurance policies that cater exclusively to Religious and Humanitarian-based organizations. This company traces its origin back to two Lutheran Pastors and eight of their lay people in 1897. At its formation, Church Mutual Insurance served as a contingency plan to help Lutheran churches that face fire-related disasters.

However, over a century later, the company has no direct ties to the Lutheran Church and has expanded its service offering to multiple organizations. Church Mutual Insurance has also spread to all 50 states and even to the District of Columbia. 

Organizations That Can Get Church Mutual Insurance Coverage

While Church Mutual policies emphasize houses of worship, its insurance policies are not limited to these alone. The Insurance company has several organizations that they provide insurance for. Here’s a list of organizations that can get Church Mutual Insurance coverage.

• Nonprofits and Human Service organizations
• Denominational offices
• Education Institutions
• Senior Living Communities
• Conference center
• Camps

What insurance policies does Church Mutual offer?

Church Mutual has an exhaustive list of insurance products for faith-based and human service organizations. The company has tailored several packages to give its clients an easier time in the face of disasters.

Here’s a detailed breakdown of what Church Mutual Insurance policies can cover.

Property Policy

Church buildings, offices, and structures are prone to wear and tear or unforeseen damages. Church Mutual Insurance provides its clients with a property insurance policy to make sure they reduce as much as possible any costs that may come from damaged property. 

The main benefit of this policy is that it covers both personal and all business property. Policyholders can also opt for another package within property insurance, which insures equipment and damage caused by limited water disasters. 

Inland Marine Policy

All other valuables that an organization has that do not fall under property and structures can have insurance coverage through the Inland Marine policy. This policy ensures that prized possessions like art, religious relics, theater works, and valuable documents get compensated in case of any damage.

General Liability Policy

The General Liability policy is there to cater to negligence-related issues. Although organizations catering to individuals’ spiritual and physical well-being may be extra cautious in approaching human care, an abundance of caution is critical. 

Church Mutual has the General Liability policy to secure its holders from allegations of property damage, advertising, personal injuries, bodily injuries, violence, and sexual misconduct.

Professional Liability Policy

This policy covers negligence or implied acts of negligence but only for professional issues. The Professional Liability Policy comes into effect if the negligent act is directly related to the discharge of a professional service. 

International Travel Policy

Many faith-based and human service organizations take trips abroad to extend their reach and achieve their missions. Church Mutual gives coverage for such organizations in case of eventualities during their trips. The International Travel Insurance from Church Mutual helps recover stolen passports, sudden illness, injuries during the travel period, and employee travel costs. 

Employment Liability Policy

Under the employment liability policy, certain employees get coverage for particular misconducts. This policy covers the organization’s board and management employees against wrongful termination, discrimination, and sexual harassment allegations. 

Cyber Liability Policy

If any of the organizations that Church Mutual targets need a safety net for their digital activities, the Cyber Liability policy provides it. Through this policy, organizations don’t need to worry so much about the financial implications of a cyber attack or data breach.

Crime Policy

For the Crime Insurance Policy at Church Mutual, organizations get coverage against crime-related activities. This can be anything from internal or external theft proven or alleged forgery and fraud. 

Worker Compensation

Church Mutual Insurance also ensures that employees in the various organizations they insure have a policy that compensates them for damages or injuries they may experience in the line of duty. The Worker Compensation policy prioritizes the health and safety of employees and takes the compensation load off their clients’ backs.

What are the rates for Church Mutual policies?

Church Mutual uses agents to write insurance policies for consumers. Therefore, it’s challenging to compare rates clearly with other companies. Further, the company offers customized packages. So, prices differ from customer to customer. But, despite the varying rates, Church Mutual insures many clients, indicating that their prices are within a manageable range. 

How to Buy a Church Mutual Policy

Church Mutual Insurance policies are straightforward to acquire. All you need to do is visit the company’s website under the Insurance tab and get a quote for the policy you need and the details of what you require to get the policy.

How to File Claims on Church Mutual

Like many other insurance companies, Church Mutual has digitized its claim-filing procedure. This means you can make Church Mutual insurance claims through the online claims avenue on the website. Although, you can also make claims via telephone, fax, mail, or email.

How is Church Mutual’s financial performance?

Besides insuring multiple organizations across the country, Church Mutual is also making financial strides. In their 2020 annual report, Church Mutual registered $1 billion worth of policy premiums. The fact that these figures were obtained amid the financial struggle triggered by the Covid 19 pandemic indicates that this insurance firm has great financial promise.

Also, from a review by A.M. Best Company, an American-based credit rating firm, Church Mutual got an A rating. This means they deem the company stable and consider it to have a positive financial outlook. The Better Business Bureau also accredited Church Mutual and gave them a score of A+ for having less than five complaints in the last three years prior to the ranking.

Client Reviews on Church Mutual

According to another review from the Better Business Bureau, Church Mutual scored A+ because they had less than five identified complaints made to the bureau in the past three years. This report paints Church Mutual in a very positive light. However, Church Mutual clients have complained about a long claim process, unexpected higher premiums, undervaluing damages, and poor payouts on other platforms. 

How to Become a Church Mutual Agent

Church Mutual registers agents or brokers to help reach more clients with effective insurance coverage. To become a Church Mutual agent, you need to contact the company through [email protected]. Once you are a registered broker or agent, you get access to Church Mutual’s agent login page, where you can access all you need from the company. 

Church Mutual Property Insurance: The Bottom Line

With over 100 years in the insurance business, Church Mutual has been a leading insurer for churches, nonprofits, and human services organizations. Although the company doesn’t have fixed rates for its policies, it has a good track record for customer service, and its financial stability is commendable. Church Mutual is a worthy insurance option for religious, faith-based, and nonprofit organizations.