Church Pension Group
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 Pension Group (CPG), through The Church Insurance Companies, provides property & casualty coverage tailored to Episcopal institutions only; it is not a general open-market carrier. Preferred / target risks - Insureds: Episcopal Church dioceses, parishes, missions, schools, camps, and related Episcopal ministries. External or non‑Episcopal religious organizations are generally not targeted. - Lines: Package placements combining property, liability, auto, workers’ compensation, and specialty church coverages are preferred; CPG promotes holistic protection of “people, property, and finances” and encourages use of its risk‑management programs to support underwriting. ([cpg.org](https://www.cpg.org/redirects/property-casualty-insurance/risk-management-programs-and-resources/?utm_source=openai)) - Risk profile: Institutions that will actively engage in risk management—participating in site visits, completing safety checklists, and implementing recommendations—are favored. CPG’s model emphasizes loss prevention and stewardship meetings with leadership. Restricted / declined classes - CPG’s property & casualty focus is limited to Episcopal institutions; risks outside that constituency (non‑Episcopal congregations, secular mercantile risks, etc.) fall outside its appetite and should be placed elsewhere. - Individual personal lines and stand‑alone commercial accounts unrelated to Episcopal ministry are out of scope. - High‑hazard or unusual operations may still be declined or heavily underwritten even within the Episcopal context if risk‑management requirements cannot be met; CPG reserves the right to avoid, reduce, or transfer risks it cannot adequately manage. ([cpg.org](https://www.cpg.org/redirects/property-casualty-insurance/risk-management-programs-and-resources/?utm_source=openai)) Geographic notes - CPG operates nationally for Episcopal institutions; coverage availability is driven by Episcopal Church footprint rather than broad commercial segmentation. Specific territorial availability is not detailed on the public site; brokers should confirm state and diocese eligibility directly with CPG client service. Risk management & underwriting approach - CPG leads with a disciplined, hands‑on risk‑management model rather than publishing a traditional broker appetite grid: - Risk identification & measurement: CPG evaluates property, operations, and exposures to estimate potential financial impact before or during underwriting/stewardship reviews. - Risk avoidance & reduction: Emphasis on operational planning, safety programs, and facility maintenance to control frequency and severity. - Risk retention & transfer: CPG uses combinations of insured retention and transfer (including contractual risk transfer) as part of its strategy. - Ongoing monitoring & adjustment: Strategies are revisited over time; institutions are expected to cooperate with re‑inspections and program adjustments. ([cpg.org](https://www.cpg.org/redirects/property-casualty-insurance/risk-management-programs-and-resources/?utm_source=openai)) - CPG offers multiple risk‑management services that are functionally underwriting tools: - Episcopal Safety Program: in‑person walkthroughs of property and operations with written reports outlining liability and safety concerns. - One‑on‑one stewardship meetings with leadership, reviewing loss experience and controls. - Online learning, factsheets, and checklists on topics such as facility maintenance, abuse prevention, and claims handling, which are intended to shape insured behavior and may be referenced in underwriting discussions. ([cpg.org](https://www.cpg.org/redirects/property-casualty-insurance/risk-management-programs-and-resources/?utm_source=openai)) Submission & account management expectations - New business: - Prospects that are not already Church Insurance clients are directed to call the Service Center for a quote; no public upload portal or standardized broker submission list is provided. Underwriters will expect full institutional information, property schedules, and operations details to evaluate eligibility and pricing. ([cpg.org](https://www.cpg.org/redirects/property-casualty-insurance/overview/?utm_source=openai)) - Because CPG is mission‑driven for Episcopal institutions, submissions from brokers should clearly describe the entity’s relationship to The Episcopal Church and any associated ministries. - Policy and billing administration: - Policies, billing, and claims for property & casualty are administered via the Church Insurance Online Service accessed through My Admin Portal (MAP). Institutional administrators receive access at renewal; this portal supports 24/7 viewing of policy documents, payment of bills, and electronic claims management. ([cpg.org](https://www.cpg.org/redirects/property-casualty-insurance/church-insurance-companies-online-service/?utm_source=openai)) Claims & loss reporting – operational notes for brokers and insureds - CPG stresses immediate notification of actual or potential claims; insureds are instructed “don’t delay” and to contact the Claims Center as soon as there is knowledge of a claim circumstance. - Dedicated phone lines are published for client service, billing, and claims; these should be used rather than routing through non‑specialist brokers when time sensitive. - Online claims submission and document upload are available through the Church Insurance Online Service for eligible insureds, improving loss documentation and potentially impacting loss‑handling outcomes. ([cpg.org](https://www.cpg.org/redirects/property-casualty-insurance/church-insurance-companies-online-service/?utm_source=openai)) Broker / producer considerations - The public site is written primarily for Episcopal leaders rather than for retail brokers; there is no separate published broker appetite guide or producer manual. - Brokers placing business with CPG should be prepared for: - More intensive risk‑management interaction than a standard commercial carrier (site visits, safety checklists, and follow‑ups). - A mission‑aligned underwriting perspective that prioritizes protection of Episcopal assets and ministries; accounts misaligned with that mission are unlikely to be accepted regardless of premium. - Use of CPG’s administrative portal by the institution for policy changes, billing, and claims status; brokers may need to coordinate with church administrators who have MAP access. Because CPG does not publish line‑by‑line underwriting grids or class‑by‑class accept/decline lists for workers’ compensation, property, or packages, retail brokers should treat the above as operational guidance and confirm specific class eligibility and state availability with CPG underwriting or client service on a case‑by‑case basis.