ELCA Churchwide is aware of the difficulties currently facing the entire property insurance marketplace and the direct impact of insurers’ underwriting decisions. As you can imagine, Church Mutual is also directly impacted by these loss trends which influences their underwriting decisions regarding ELCA congregations and synods. 

Church Mutual, like all property and casualty carriers, is reviewing the concentration of risk in high-hazard areas and adverse loss trends. This may result in some congregations not being offered renewal of their policies. It will likely also result in changes to premiums and deductibles. This current reality is being experienced nationwide in the property and casualty insurance industry, not only with Church Mutual.

Church Mutual has recently introduced two new email addresses that may be useful to your congregation should you encounter servicing or non-renewal issues. The email addresses are as follows:

  • Customerservice@churchmutual.com – This email is for those congregations who have questions or concerns regarding insurance policy endorsement requests, change requests, coverage questions or policy language questions. 
  • ELCAprograms@churchmutual.com – This email is for congregations who have been non renewed by Church Mutual. Upon receipt a Church Mutual Account Manager will explain the non-renewal and put your congregation in touch with their Account Manager who will try to recommend options with other carriers.