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 is centered on specialty placement for purpose-driven organizations. Preferred segments called out on the official Broker Center are: houses of worship and religiously affiliated schools, private/public/charter schools and other educational facilities, nonprofit and human services organizations, and camps, sports and outdoor recreation organizations. Premium thresholds are specifically stated for houses of worship/religiously affiliated schools and for education risks: current account premium of $25,000 and greater. Camps, sports and outdoor recreation are stated as eligible with no minimum premium threshold, but only in specified states. Nonprofit/human services guidance indicates appetite for both religious and non-religious, nonprofit or for-profit organizations, and FAQ materials also mention food-related organizations, shelters and overnight facilities, and arts/cultural organizations. Published materials emphasize packaged specialty accounts with property, liability and workers’ compensation, plus optional lines such as umbrella-type liability, EPLI, cyber, professional liability, commercial auto and inland marine. No formal public decline list or detailed restricted-class matrix was located on the verified official pages reviewed; operationally, risks falling outside their niche verticals, below stated premium thresholds where applicable, or outside the limited-state availability for camps/sports/recreation should be treated as uncertain and referred before submission. Geographic notes: the company presents itself as serving organizations nationwide, but at least one segment note expressly limits camps/sports/outdoor recreation to specified states, and workers’ compensation requirements vary by jurisdiction. Submission/underwriting process: prospective broker partners are directed to request appointment through the Broker Center; Church Mutual states it partners with elite brokers/agencies specializing in one or more of its niche markets. Prospective insureds are funneled through quote request forms by industry, and existing customers are directed to local reps. Broker contact information is published for inquiries. Practical submission expectations inferred from the public pages: identify the organization type/industry clearly, align the account to one of Church Mutual’s niche sectors, confirm premium size for worship/school and education accounts, and be prepared to discuss property, liability and workers’ compensation needs along with specialty liability options. Notable producer/broker instructions available publicly: complete the appointment request form to become an appointed agent/broker; use the Broker Center for partner information; contact the broker team directly for inquiries; and for new business billing setup, desired payment plan should be communicated to the sales representative, broker or agent. Workers’ compensation administrative guidance published in the FAQ includes payroll-audit reporting by fax, email or online, with timely submission encouraged and supporting accounting reports acceptable if they contain needed detail and exclude personal identifiable information.