Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Mar 9, 2022

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The Short of It

  • Church Mutual provides insurance for faith-based organizations
  • Church Mutual offers a wide variety of coverage options
  • You can request Church Mutual quotes online

Houses and businesses are the only types of structures that need insurance protection. If your house of worship needs insurance, Church Mutual can help. This insurance company has a history of providing religious organizations with the coverage they need to stay protected.

Keep reading this Church Mutual review to learn if this company can help your organization stay protected from whatever comes your way.

What is Church Mutual?

Founded over 120 years ago by Lutheran pastors, the Church Mutual Insurance Company provides insurance for faith-based organizations like:

  • Churches
  • Religious schools
  • Religious colleges
  • Senior living communities
  • Nonprofit and human service organizations

You can find Church Mutual locations throughout the United States, and its policies protect over 80,000 places of worship. It is important to note that while the company has its roots in the Lutheran faith, it provides insurance to churches of any denomination.

The company website is also easy to navigate for consumers of any generation. There is a Church Mutual login portal for clients, not to be confused with the Church Mutual agent login that you can use to make payments. If you are a Church Mutual Premier policyholder, you can request a certificate of insurance online.

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Does Church Mutual offer property insurance?

If you are looking for insurance to protect your house of worship, Church Mutual has you covered. You can get the protection you need with coverages that include:

  • Property insurance
  • General liability
  • Management liability
  • Professional liability
  • Employment-related practices liability
  • Inland marine
  • Crime
  • Cyber liability
  • Hired and non-owned automobile liability
  • Worker’s compensation

These coverages play a specific role in protecting your organization, so let’s look at what they can do for you.

Property Insurance

You can keep your structure and personal property safe from covered losses with property coverage from Church Mutual. You can also purchase extra coverage options like limited water damage, equipment breakdown, and more.

General Liability

Suppose anyone files a negligence claim that involves advertising injury or bodily injury — to name a few — against your organization. In that case, this coverage will extend protection to your organization’s employees and volunteers.

Management Liability

Usually, a board or group of directors leads a religious organization. Church Mutual’s management liability policy covers those individuals in the event of a lawsuit.

Professional Liability

This coverage protects your organization from claims of negligent acts after performing a professional service.

Employment-Related Practices Liability

Like management liability, employment-related practices liability protects the leaders of your organization. However, it has a more specific focus. Employment-related practices liability protects your organization’s governing body from allegations of sexual harassment, wrongful termination, or discrimination.

Inland Marine

A house of worship often serves as a hub for its local community and can end up storing theatrical property, antiques, and valuable records. Inland marine coverage protects that and more from covered losses.

Crime

Unfortunately, any organization can be a victim of fraud and theft. Church Mutual’s crime coverage protects your organization from such actions.

Cyber Liability

More institutions are finding themselves at risk of cyberattacks. However, with cyber liability coverage, Church Mutual can help your organization in the event of a data breach.

Hired and Non-owned Automobile Liability

Though many religious institutions own vehicles, you can rent transportation for official business if your organization can’t afford to buy a vehicle. Church Mutual’s non-owner car insurance coverage keeps you protected whenever you’re on the road in a rented or borrowed vehicle.

Workers’ Compensation

This vital coverage can help your organization’s employees get the financial assistance they need if they are injured on the job.

In addition to these coverage options, you can also purchase commercial auto coverage for any vehicle your organization owns.

Does Church Mutual offer competitive rates?

Since Church Mutual — like most commercial insurance companies — tailors policies to each client’s commercial needs, sample rates aren’t on the website. Instead, you’ll need to request a quote from the company online or use the “Reach Your Direct Sales Team” tool to find a local Church Mutual representative.

Remember that insurance rates can vary in different states, and the amount of coverage you need can influence your rates.

Church Mutual doesn’t advertise any discounts on its website, but you can call the Church Mutual phone number at 800-554-2642 to get more information. If your organization has been struck hard by the pandemic, you can also call Church Mutual to inquire about COVID-19 resources.

Is it easy to file a claim with Church Mutual?

Though a covered loss can be a stressful event, Church Mutual offers several different ways for clients to file a claim if necessary. You can call the claims department at 800-554-2642 during regular business hours, send a fax, or send an email to [email protected] You also have the option of filing your claim online.

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Is Church Mutual a highly rated company?

In addition to its numerous awards acquired throughout the years, Church Mutual touts an A+ rating from the Better Business Bureau. In 2016, for example, Church Mutual made Ward’s list of the top 50 property and casualty companies.

A.M. Best also gave Church Mutual an A rating. This high rating indicates that Church Mutual has the financial strength to pay out any claims you may file.

What You Need to Know About Church Mutual Property Insurance

You can keep your faith-based organization protected through a Church Mutual policy. This illustrious company has been in business for over 100 years, providing protection for houses of worship and offering several forms of liability insurance.

Since sample rates aren’t readily available online, you should shop around for insurance quotes. Comparing quotes from at least five companies can help you verify that you are getting the best deal.