The Church Corporation Health Insurance Company review is a review of the Church Mutual Insurance Company. The Church Mutual Insurance Company has received an A (Excellent) financial security rating from the A. M. Best Company. The A. M. Best Company is currently the most trusted financial strength ratings provider for the insurance industry in the United States.
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The Church Mutual Insurance Company is headquartered at:
3000 Schuster Lane
P. O. Box 357
Merrill, Wisconsin 54452
Toll free phone number: 800-554-2642
Fax number: 715-539-4650.
The Church Mutual Insurance Company History
Two Lutheran ministers and eight church members formed the Church Mutual Insurance Company in 1897. The Church Mutual Insurance Company offers specialized insurance products designed for religious institutions. Some of these religious institutions include churches, camps, religious schools, senior living facilities, and denominational offices. The Church Mutual Insurance Company offers these products to all religious institutions no matter their denomination and today provides insurance policies for over 100,000 religious institutions.
Until the first sales person was hired in 1954, the Church Mutual Insurance Company sold all of its insurance policies through the mail. Today, the insurance policies of the Church Mutual Insurance Company are mainly sold by their more than 180 regional representatives with their remaining policies being sold by independent insurance agents.
Over the next 50 years, the Church Mutual Insurance Company continued to grow exponentially and in 2006 the company saw assets climb above the $1 billion mark with sales setting a new record for the company at $575 million.
The Church Mutual Insurance Company Products
The religious institutions that can benefit from a Church Mutual Insurance Company policy include worship centers, schools and colleges, camps, conference centers, senior living communities, denomination and association offices, and international travel assistance and insurance.
The types of insurance offered to worship centers by the Church Mutual Insurance Company include:
- General liability coverage
- Hired and non-owned car liability coverage
- Professional liability coverage
- Property coverage
- Crime coverage
- Inland marine coverage
- Workers compensation insurance
- Commercial car insurance
- Umbrella and excess liability insurance
- Flood and earthquake insurance
Some of the general liability coverage options offers by the Church Mutual Insurance Company include:
- Medical expense coverage
- Comprehensive general liability coverage
- Legal defense coverage
- Catastrophic violence response coverage
- Sexual misconduct and molestation coverage
The property coverages offered by the Church Mutual Insurance Company include options for:
- Systems and equipment breakdown
- Extensions coverage
- Basic, broad, and special causes of loss coverage
The systems and equipment breakdown insurance covers things like computers, copiers, fax machines, telephone systems, air conditioning systems, alarm systems, elevators, panel boards, video equipment, sound equipment, and lighting equipment.
The Church Mutual Insurance Company Travel Program
Whether it is for a mission’s trip, a church group trip to another country, or a clergyman traveling abroad on church business, it is important for a religious institution to have adequate travel insurance. The travel insurance and assistance program offered by the Church Mutual Insurance Company is the AIG World Risk insurance program. This program comes with two types of insurance coverage and an assistance program. The two types of insurance coverage in this specialized program are foreign travel accident and sickness insurance and foreign commercial general liability insurance.
The foreign travel accident and sickness insurance offers limits of $100,000 accidental death and dismemberment per person, $25,000 in emergency medical expenses with a low $100 deductible, medical evacuation coverage up to $100,000 per person, up to $20,000 in repatriation per person of mortal remains, and $25,000 for emergency family travel. The foreign commercial general liability insurance has limits of:
- $1 million of bodily injury and property damage coverage for each occurrence
- $2 million in general aggregate
- $1 million in personal and advertising injury coverage
- Up to $10,000 for medical expenses per person
The travel assistance program that comes with the Church Mutual Insurance Company offers many types of benefits. Some of these benefits include:
- Pre-departure services
- Lost baggage and lost passport assistance
- Travel agency
- Emergency cash
- Legal assistance
- General assistance
- Travel medical emergency services
- Evacuation and repatriation, and emergency message center
- Insurance coordination