Church Mutual specializes in providing insurance protection for religious organizations, senior living facilities, schools and other organizations. With a common mission to protect the greater good and over a century of experience, Church Mutual understands the unique exposures and needs of these markets. They not only provide financial protection but also connect policyholders to a network of strategic partners not found with other providers.

Minimum Premiums on Churches now $25,000

Insures a variety of organizations:

  • Worship centers of all denominations
  • Education facilities, both publicly and privately owned
  • Camps and conference centers
  • Senior living facilities, both religiously and privately owned

Has a comprehensive network of strategic connections:

  • American Red Cross Ready Rating Program disaster preparedness program
  • 24/7 Nurse Hotline for work-related injuries
  • Cyber crime protection
  • Travel protection
  • Background screening partnership


  • Basic, broad or special causes of loss
  • System and equipment breakdown coverage
  • Extensions and additional coverage
  • Identity recovery case management and expense reimbursement

General Liability
The multi-peril policy provides protection for:

  • Clergy
  • Elected or appointed officials and board members
  • Employees and volunteers
  • Bodily injury
  • Personal injury
  • Property damage
  • Advertising injury

Professional Liability:
Professional liability insurance options for all types of organizations including:

  • Directors, officers, and trustees
  • Employee benefits
  • Counseling
  • Employment practices
  • Incidental medical services

Other Important Coverages for Schools, Camps, Conference Centers and Senior Living Facilities

  • Workers Compensation – including standard dividend plans and scheduled credits
  • Umbrella liability
  • Commercial auto

Risk Management
Church Mutual’s risk management specialists are located throughout the country and are available to assist in controlling loss exposures.
Church Mutual’s risk management services include:

  • On-site analyses of facilities
  • On-site training on a variety of topics for all staff
  • Customized risk management programs based on individual needs