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’s currently published broker guidance positions the carrier as a specialty market for purpose-driven organizations and indicates it partners with brokers/agencies that specialize in its niche segments. Preferred business includes houses of worship and religiously affiliated schools, private/public/charter schools and other educational facilities, nonprofit and human services organizations, and camps/sports/outdoor recreation risks. Published premium thresholds apply to houses of worship/religiously affiliated schools and education/schools business: current account premium of $25,000 and greater. Camps, sports and outdoor recreation is stated to have no minimum premium threshold, but availability is only in specified states. Nonprofit/human services appetite is broad on the website and includes religious and non-religious, nonprofit or for-profit organizations. Core offered coverages shown for partners include property, liability and workers’ compensation, plus special liability and supporting lines such as EPLI, cyber, professional liability, commercial auto and inland marine. No formal public appetite guide, class-by-class declination list, or explicit restricted/declined classes were verified on the official site; operationally, the carrier appears tightly focused on its named niche verticals rather than general commercial risks. Geographic notes: broker appointment request and quote intake forms show broad U.S. state selection, but camps/sports/outdoor recreation is expressly limited to specified states, so state-by-state eligibility should be confirmed with the carrier. Submission/appointment notes: the broker center includes a Request for Appointment for current and prospective partners and emphasizes appointed broker/agent relationships; the quote form requests organization type, contact information, address/county/ZIP/state, and specifically asks whether the submitter is an insurance broker. Broker instructions and contacts published include broker portal access, broker-specific email/contact options, and a broker center contact. Practical takeaway: target middle-market purpose-driven accounts that fit Church Mutual’s specialty verticals, especially larger worship and school risks meeting the stated premium floor, and confirm state availability and appetite details directly with the broker team for camps/recreation and any classes not clearly described online.