Church Mutual Insurance Company Review & Complaints: Commercial Insurance (2024)
Church Mutual Insurance Company writes commercial insurance policies to cover a wide range of religious organizations like religious school and senior living communities. Church Mutual insurance coverage includes Church Mutual commercial multi-peril, general liability, and worker's compensation plans. Church Mutual quotes online refer customers to an agent for Church Mutual insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Dec 4, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
As the name implies, Church Mutual provides insurance policies specifically designed for places of worship and related religious organizations. Focused on Christian organizations, their products meet the needs of a niche market, from camps to schools.
What is Church Mutual?
Church Mutual insurance company was founded by two Lutheran pastors as a mutual company serving the needs of religious organizations. Originally founded as the Wisconsin Church Mutual Fire Insurance Association in Merrill, Wisconsin, the company grew over more than 100 years to write policies in all 50 states as well as the District of Columbia.
Church Mutual’s underwriters write coverage for places of worship, religious schools and colleges, camps, religious offices, senior living communities, and other nonprofit & human service organizations. As a mutual company, Church Mutual insurance company’s policyholders are also the owners of the company, which is the largest provider of insurance to religious organizations and associations in the nation. Church Mutual insures over 80,000 houses of worship.
Although the company was founded by Lutheran pastors, it is not, as a company, associated with any particular denomination, or specific religious organization, today.
Policies are sold through agents and brokers across the nation, although quoting can be started on the website.
Awards & Recognition:
- 2016 Ward’s 50 Top Performing Property and Casualty Insurers
- BenchmarkPortal Top 10 National Customer Service Center
- 2016 Wisconsin 75 by Deloitte US
- Futuremakers Parter by wisconsin Technical College System
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What products does Church Mutual offer?
The company writes commercial insurance policies to cover a wide range of religious organizations. They do not write any sort of personal insurance.
Policies include all of the basics of commercial coverage, as well as specialty coverage designed to meet the specific needs of houses of worship, religious associations, and other related businesses and associations including:
- Business Property
- General liability
- Sexual molestation/misconduct liability
- Professional liability
- Employment practices liability
- Employee benefits liability
- Workers’ compensation
- Auto and umbrella liability
The insurer is one of the few property and liability insurance companies that have embraced IoT (Internet of Things)-based solutions that require specialized technology skills and knowledge.
The company has sensors that remotely monitor building temperatures and the presence of water. It has drones that help safely view structures, create maps, and gather data to better help assess risk. It leverages big data to help the company better understand its customers and risks so that it can differentiate itself in the market.
Products are marketed by captive agents and invited agencies who are trained in providing the specialized coverages required by denominational organizations.
Are commercial package policies offered?
Places of worship are a major part of the company’s business, and they write comprehensive commercial insurance to cover their needs.
These policies are also available for:
- Schools and Colleges
- Denominational Offices
- Camps and Conference Centers
- Senior Living Facilities
The Multi-Peril insurance policy contains comprehensive coverage including:
- Property coverage
- General liability
- Professional liability
- Crime
- Inland Marine
- Hired and Non-owned auto liability
Is commercial auto insurance offered?
The company writes commercial auto insurance policies to cover vehicles used in the course of business by any of their customers. These policies include all of the basic coverage in addition to specialized options specific to the industry.
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What additional products are offered?
Workers’ Compensation
Completing the requirements for any business, Church Mutual also provides Workers’ Compensation. This coverage provides medical and other benefits for work-related accidents and injuries.
Cyber Crime Protection
The company writes two levels of cyber-crime protection coverage.
The Core Cyber program provides:
- Data risk liability
- Data breach response
- Identity protection for full-time employees
- Risk management services
The SB Core Protector is an upgraded, more comprehensive plan that adds Business Identity Protection among other enhanced features.
International Travel
The company writes international travel insurance that covers employees and volunteers traveling on ministry work for religious organizations.
Coverage includes:
- Accident and Sickness coverage
- Foreign Commercial General Liability
- 24/7 Travel Assistance
Are the rates competitive?
Since the company doesn’t write personal insurance, we’re unable to offer price comparisons on the common products we normally quote.
The company writes very specific commercial products, also making it difficult to compare to other companies, and prices are likely to differ from customer to customer. Expanded coverage options will likely come at an additional cost. But, thanks to its very specific niche market, rates may not factor much into purchasing decisions; that said, they have obviously risen to be a leading provider in the market and likely offer competitive rates to have done so.
The insurer offers an initial online quoting form, but this will refer the potential customer to an agent who can complete the quote. This is common for commercial insurance since it involves more information and detail, as well as different underwriting needs, which require a more involved application process.
Are there consumer complaints against the company?
Church Mutual is recently Better Business Bureau accredited, the website gives the company an A+ rating with only four complaints recorded in the past three years, one of which was closed in the last 12 months.
The lack of complaints is certainly a good sign, but it’s also not unusual for a company that specializes in commercial insurance. Businesses that have a problem with an insurance agency tend to use other avenues to handle complaints rather than the BBB or other online review services.
That said, there are a few reviews of Church Mutual on other internet sites, some of them negative. Most negative reviews pertain to claims problems. There are several reviews from churches that felt that they had been treated unfairly in the claims process.
The reviews are not numerous but they do seem to repeat similar complaints about damages being undervalued and not paid out at an appropriate rate.
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What is the company’s financial strength rating?
Rating Company | Grade | Financial Outlook |
---|---|---|
AM Best | A | Positive |
Fitch | N/A | N/A |
S&P | N/A | N/A |
Church Mutual Insurance Company Claims Process
Church Mutual offers multiple options for filing a claim, and outlines them more clearly than most commercial insurance companies.
Claims can be filed the following ways:
- (800) 554-2642 – 7am – 5:45pm CST Monday – Friday
- (715) 539-4651 – 24/7 fax line
- Online
- Email directly to: claims@churchmutual.com
Claim forms can be downloaded online for easy access, printed, and then returned to the company when completed.
Church Mutual states that they handle claims with a specific approach, promising to seek facts that favor the insured as carefully as facts that favor the company and to give the insured the benefit of the doubt.
Adjusters investigate claims thoroughly and then determine benefits and a settlement. As there are many types of possible claims in commercial policies, the length of time required to complete this process can vary greatly from claim to claim.
Ease of Filing a Claim (online, over the phone, mobile apps)
Church Mutual Insurance Company offers multiple options for filing a claim, making it convenient for their policyholders. Customers can file claims through the following methods:
- Online: The company provides an online claims submission process, allowing policyholders to report their claims through the official website. This online option streamlines the process and saves time.
- Phone: Customers can also file claims over the phone by contacting Church Mutual’s claims department. This offers a more personal touch for those who prefer speaking directly with a representative.
- Claim Forms: Church Mutual offers downloadable claim forms on their website, which can be filled out and returned to the company. This option is suitable for customers who prefer a physical form for documentation.
Average Claim Processing Time
The average claim processing time can vary depending on the complexity of the claim and the specific details involved. Church Mutual is committed to handling claims fairly and efficiently. Adjusters investigate claims thoroughly to determine benefits and settlements.
Since commercial policies can encompass various types of claims, the processing time may differ from case to case. However, the company’s focus on providing quality service is aimed at ensuring timely claim resolutions.
Customer Feedback on Claim Resolutions and Payouts
Church Mutual has a generally positive track record, some customer reviews suggest issues with claims handling. Negative feedback, especially related to claims, centers on concerns such as damages being undervalued and dissatisfaction with the payout rates.
However, it’s essential to note that these complaints do not appear in large numbers, and Church Mutual’s overall reputation remains favorable. The Better Business Bureau (BBB) accredits the company and gives it an A+ rating, with only a small number of complaints recorded in the past three years. Customer experiences may vary, but the company’s commitment to its niche market remains strong.
Church Mutual Insurance Company Digital and Technological Features
Mobile App Features and Functionality
Church Mutual Insurance Company offers a mobile app to enhance the convenience of managing insurance policies for its customers. While specific app features and functionality may vary, typical capabilities include:
- Policy Access: Customers can access their insurance policies directly from the mobile app, making it easy to review coverage details and important documents.
- Claims Submission: Some apps allow policyholders to submit claims directly through the mobile platform, streamlining the process.
- Payment Options: Mobile apps often provide convenient payment options, allowing customers to pay premiums and view billing information on the go.
- Policy Updates: Customers can receive updates on policy changes, renewal notifications, and other important alerts through the app.
Online Account Management Capabilities
Church Mutual’s online account management system offers policyholders a user-friendly platform to manage their insurance policies. Key capabilities include:
- Policy Information: Access to policy documents, coverage details, and policy-related information.
- Premium Payment: Convenient payment options for premium payments, including online payment methods.
- Claims Tracking: Track the progress of claims submitted through the online system.
- Policy Changes: The ability to request policy changes, endorsements, or updates online.
Digital Tools and Resources
Church Mutual Insurance Company provides various digital tools and resources to assist its customers:
- Risk Management Resources: The company may offer online resources and tools to help customers mitigate risks and enhance safety within their organizations.
- Educational Materials: Digital resources, such as articles, guides, and webinars, may be available to educate customers on insurance-related topics.
- Contact and Support: Access to customer support through digital channels, including email, live chat, and online forms, for inquiries and assistance.
These digital features and resources are designed to make it easier for policyholders to interact with Church Mutual and manage their insurance needs efficiently.
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What’s the bottom line?
Church Mutual writes very specific policy types to provide coverage for their niche market, which includes churches, offices of religious associations, and other related businesses. As the largest such provider in the nation, they are likely to be on the list for any business in that market.
Their policies are designed specifically for this market niche, they are financial stable, and they have been in business for over 100 years, all of which help in recommending the company. There are some questions in terms of claims handling based on the reviews of the company, but they do not appear in large numbers and the BBB rating is good. As a result, the company is well worth considering for anyone who fits this particular market.
Frequently Asked Questions
What is Church Mutual?
Church Mutual is an insurance company that specializes in providing coverage for religious organizations and related entities. They offer commercial insurance policies tailored to meet the specific needs of churches, religious schools, camps, and other nonprofit organizations.
What products does Church Mutual offer?
Church Mutual offers commercial insurance policies specifically designed for religious organizations. Here’s the six products they offer:
- general liability insurance
- commercial property insurance
- commercial auto insurance
- workers’ compensation insurance
- cyber crime protection
- international travel insurance for employees and volunteers
Are commercial package policies offered?
Yes, Church Mutual offers comprehensive commercial package policies for various types of businesses, including places of worship, religious schools, camps, and related organizations. These policies provide a combination of property, liability, and other coverages to meet the specific needs of commercial clients in the religious sector.
Are there consumer complaints against the company?
Church Mutual has a good track record with a low number of consumer complaints. According to the Better Business Bureau (BBB), the company holds an A+ rating. While there are some negative reviews online, these are not numerous, and most of the complaints pertain to claims handling issues. Overall, Church Mutual’s consumer complaint record is relatively positive.
How are claims handled?
When a claim is filed, Church Mutual assigns a claims representative to handle the case. The representative will investigate the claim and determine the coverage and amount of damages. Church Mutual aims to handle claims fairly and efficiently to provide the best possible service to its customers.
Are you looking for free insurance quotes?
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.