Church Mutual Insurance Review

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Church Mutual Insurance Overview

Church Mutual Insurance is a mutual company that specializes in coverage for places of worship. It is the leading insurer for religious organizations. It offers a wide range of products including liability, worker’s compensation, commercial automobile, and property and casualty insurance. In addition to churches, Church Mutual Insurance offers products to religiously affiliated schools, camps and senior living facilities.

Church Mutual was founded in 1897. It provides multiple types of commercial insurance products, but does not sell life or health insurance policies. Operating in all 50 states, Church Mutual insures more churches and religious institutions than any other insurer in the country.

As a mutual, Church Mutual is owned by its policyholders, who are also investors in the company. It does not trade its stock publicly. Not only does this fit the spirit of a religiously affiliated company, it also helps keep prices low as mutual firms can operate with lower profit margins than other types of insurers. The company employs just over 900 employees and markets its products directly to consumers as well as through agencies.

 
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Church Mutual Insurance Products

Church Mutual Insurance offers a wide range of products to fulfill the needs of denominational organizations. This includes commercial vehicle insurance, property insurance and liability insurance for churches and other religious organizations. The company does not offer life or health insurance, but it does provide worker’s compensation insurance for employees at churches and other religious institutions.

The coverages offered by Church Mutual are designed with religious institutions in mind to meet the specific needs of these organizations. In addition to basic liability insurance, specialized coverage is offered to protect the needs of groups working with children and the elderly. Church Mutual also provides multiple risk management programs, including training materials for church employees.

Church Mutual Insurance Rates

Church Mutual does not offer private insurance policies, so there is nothing for us to do a rate comparison with. Organizations that are interested in learning more about Church Mutual’s rate should contact a licensed agent in their area.

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Church Mutual Consumer Complaints

Church Mutual is not accredited with the Better Business Bureau, but it is listed on the site with an A+ rating. The company has few complaints: There are only five complaints listed on the BBB website in the past three years with one having been closed in the past month.

Online complaints are primarily about the customer service, specifically a communication disconnect between agencies and the claims department. There are relatively few complaints against the company, most likely because of its status as a specialty insurer in a fairly small niche.

Church Mutual Financial Rating

AM Best ranks Church Mutual at an A rating, or “Excellent,” with a stable outlook. There are no financial ratings listed for the company at Fitch Ratings or Standard & Poor’s.

Church Mutual Overall Rating

Positive
Church Mutual provides specialty products for a very unique niche. They are setup as a mutual, so the policyholders share in the profits (as well as losses) of the company. This can help to keep the firm focused on what is best for their policyholders. They also have good customer review ratings, with very few complaints.

Negative
As a specialty insurer, their product offers are limited and many businesses will not be able to use them.

Recommendation
Any organization with a religious affiliation should check into Church Mutual when researching insurance companies. They offer specific coverage plans for places of worship, and can even provide special coverage for workers engaged with children and the elderly.

Church Mutual Contact Information

Website
www.churchmutual.com
Phone Number
(800) 554-2642

Church Mutual Insurance Review2.1875Eric Stauffer2013-05-03 05:00:15Products  |  Rates  |  Complaints  |  Financial Strength |  Overall

Church Mutual Insurance Overview
Church Mutual Insurance is a mut…


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About the Author

Eric Stauffer

I am a former insurance agent turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


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