Church Mutual Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Church Mutual positions itself as a specialty carrier for purpose‑driven organizations: houses of worship, nonprofit & human services organizations, camps/sports & outdoor recreation, and education & schools. It emphasizes partnering with “elite brokers and agencies that specialize in one or more of our niche markets,” signaling a preference for producers with demonstrated segment expertise and quality submissions.([churchmutual.com](https://www.churchmutual.com/resource-center/broker-center)) Preferred / target business - Houses of Worship: Religious organizations and religiously affiliated schools are a core segment. The Broker Center notes Church Mutual protects houses of worship and religiously affiliated schools with a current account premium of $25,000 and greater, indicating a middle‑market to larger‑account focus rather than small monoline church policies.([churchmutual.com](https://www.churchmutual.com/resource-center/broker-center)) - Education & Schools: Private, public, and charter schools, as well as other educational facilities, are targeted with a current account premium of $25,000 and greater.([churchmutual.com](https://www.churchmutual.com/resource-center/broker-center)) - Nonprofit & Human Services: Religious and non‑religious, nonprofit or for‑profit organizations delivering human or community services are specifically called out as preferred; Church Mutual stresses tailored insurance and risk‑management resources for these entities.([churchmutual.com](https://www.churchmutual.com/resource-center/broker-center)) - Camps, Sports & Outdoor Recreation: Camps, sports and outdoor recreation organizations are a distinct niche. Church Mutual states it protects these organizations “without a minimum premium threshold (available only in specified states),” signaling appetite for both smaller and larger accounts where available.([churchmutual.com](https://www.churchmutual.com/resource-center/broker-center)) Key coverages - Property, liability and workers’ compensation are positioned as core lines, supported by specialized coverages including employment practices liability, cyber liability, professional liability, commercial auto and inland marine. Broker‑facing content emphasizes packaging these into a comprehensive program to eliminate gaps/overlaps and reduce the need for piecemealed policies.([churchmutual.com](https://www.churchmutual.com/resource-center/broker-center)) Appetite / risk profile themes - Mission‑based, community‑service organizations that are "purpose‑driven" and operate houses of worship, schools, camps, or human service programs. - Risks that engage with Church Mutual’s risk‑management resources (self‑inspection checklists, fire preparedness, safety products, driver/MVR guidance, volunteer screening, etc.), suggesting a preference for accounts willing to improve safety and loss performance.([churchmutual.com](https://www.churchmutual.com/resources/self-inspection-safety-checklist-for-houses-of-worship?utm_source=openai)) - Accounts large enough to support a relationship‑driven model (explicit $25K+ account premium threshold for houses of worship and education accounts; camps may be smaller where state‑eligible).([churchmutual.com](https://www.churchmutual.com/resource-center/broker-center)) Restricted / declined classes (inferred) - Church Mutual does not publish a public, line‑by‑line prohibited‑risk schedule on its website. No explicit declined class list for workers comp, property, or GL is available in open broker content. - Public commentary and industry articles indicate heightened sensitivity and tightening around certain catastrophe‑exposed or distressed church books in specific states (e.g., reports of non‑renewals in some regions), but Church Mutual’s own statements emphasize they are still renewing and writing business in every state, subject to underwriting. This implies stricter scrutiny on high‑hazard property (e.g., large frame sanctuaries in cat‑prone areas), older/poorly maintained structures, and adverse loss experience rather than a blanket withdrawal.([mission-presbytery.org](https://www.mission-presbytery.org/post/insurance-update-from-uccib?utm_source=openai)) - Because no official public list exists, treat restricted/declined classes as subject to underwriter review, particularly: catastrophe‑prone large properties, organizations unwilling to follow basic life‑safety, abuse‑prevention, volunteer‑screening, driver/MVR, and self‑inspection practices referenced across Church Mutual’s risk‑control materials. Geographic notes - Broker Center appointment form lists all U.S. states and D.C. as selectable, indicating a nationwide footprint and potential appetite in all states, subject to underwriting and, for camps and certain programs, availability "only in specified states."([churchmutual.com](https://www.churchmutual.com/resource-center/broker-center)) - External industry commentary suggests tighter underwriting and selective non‑renewals in some higher‑loss or catastrophe‑exposed states, but there is no official carrier‑published state‑moratorium list on the public site. Treat geography as nationally available but expect more stringent terms, pricing, or capacity limits in severe‑weather or distressed church markets. Submission expectations / broker instructions - Church Mutual positions itself as partnering with “elite brokers and agencies” in its niches, which signals an expectation of professional, complete submissions and sector familiarity.([churchmutual.com](https://www.churchmutual.com/resource-center/broker-center)) - Appointment is required to place business: the Broker Center provides a "Request for Appointment" form where brokers must indicate the state(s) in which they wish to be appointed. Expect standard carrier due diligence (licensing, E&O, production expectations).([churchmutual.com](https://www.churchmutual.com/resource-center/broker-center)) - A broker login portal is provided; once appointed, producers are expected to use the portal for account service functions (submissions, policy documents, billing, claims status), although specific submission workflows are not detailed in public content.([churchmutual.com](https://www.churchmutual.com/resource-center/broker-center)) - Risk‑management engagement is a recurring theme: materials encourage self‑inspection checklists, fire‑preparedness evaluations, driver/MVR standards, background checks for staff/volunteers, and use of Church Mutual’s safety products (often at no cost to customers). Proactively addressing these items and including them in the submission can strengthen underwriting posture and pricing.([churchmutual.com](https://www.churchmutual.com/resources/self-inspection-safety-checklist-for-houses-of-worship?utm_source=openai)) Operational guidance for placing business - Focus prospecting on: - Established houses of worship and religiously affiliated schools with at least $25K in account premium potential. - Nonprofit & human services agencies, camps/sports organizations, and schools that value structured risk‑management and are open to checklists, training, and background‑check policies. - Package property, GL, auto, inland marine, umbrella/excess, workers comp, and specialty liabilities (EPLI, cyber, professional/management liability) whenever possible rather than monoline placements. - Highlight use of Church Mutual’s safety and training resources in your narrative, especially for risks with prior losses, older buildings, youth programs, transportation exposures, or wildfire/wind/hail exposure. - For camps and outdoor recreation, confirm state eligibility early; some offerings are limited to specified states. - Expect that high‑hazard or catastrophe‑exposed properties, accounts with poor maintenance or serious prior losses, or organizations unwilling to implement basic safety/abuse‑prevention controls may be declined or offered restrictive terms; engage underwriting early on such risks. Because Church Mutual does not publish a detailed public underwriting manual or class‑by‑class appetite chart, individual account acceptability, pricing, and terms remain subject to underwriter judgment and current regional strategy. Use the Broker Center appointment process and contact sheet to obtain territory‑specific guidance for complex or borderline classes.