Comparison of insurance companies

This is a general comparison between the three insurance companies or programs that provide coverage to at least 10 percent of the Presbyterian Church (U.S.A.) churches. For additional information regarding the insurance companies or programs, please contact the individual representatives at the bottom of the page.

Church Mutual Insurance Company
A+ (Superior) for 54 consecutive years

Covenant Presbyterian Insurance Program
The CPIP Master Policies for middle governing bodies, churches and church related entities are underwritten by Lloyds of London, Princton Excess and Surplus Insurance The Hartford, all rated A.

GuideOne Insurance Company
A- Excellent

Church Mutual Insurance Company
2,000

Covenant Presbyterian Insurance Program
1,073

GuideOne Insurance Company
2,574 churches and Presbyterian Church (U.S.A.) entitites

Church Mutual Insurance Company
Yes.

Covenant Presbyterian Insurance Program
Yes.

GuideOne Insurance Company
Yes.

Church Mutual Insurance Company
Church Mutual is licensed in all 50 states and the District of Columbia. Not licensed in Puerto Rico.

Covenant Presbyterian Insurance Program
Underwriting companies are licensed in all 50 states as well as the District of Columbia and Puerto Rico.

GuideOne Insurance Company
GuideOne is licensed to do business in all 50 states and Washington, D.C. Not licensed in Puerto Rico

Church Mutual Insurance Company
Both managing general agents and company exclusive agents.

Covenant Presbyterian Insurance Program
As a membership service, CPIP deals with licensed brokers in all areass ecept California, Illionis, Indiana and Tennessee where program employees have liceneses and we can deal directly.

GuideOne Insurance Company
Both independent and company exclusive agents are used.

Church Mutual Insurance Company
Yes, subject to underwriting guidelines

Covenant Presbyterian Insurance Program
Inclusion in the master policy is available to all governing bodies who join CPIP and all PC(USA) governing bodies and congregations, as well as the majority of special ministries.

GuideOne Insurance Company
All Presbyterian Church (U.S.A.) entities are eligible for the insurance program subject to underwriting approval.

Church Mutual Insurance Company
Church Mutual offers both master and group policies.

Covenant Presbyterian Insurance Program
Yes, CPIP includes all member governing bodies and churches and other entities in the master policies.

GuideOne Insurance Company
Yes, GuideOne offers a group affiliated policy.

Church Mutual Insurance Company
Both, depending on the severity of the claim.

Covenant Presbyterian Insurance Program
CPIP has in house Claims Management who directs the claims to Gallagher Bassett and The Hartford.

GuideOne Insurance Company
Most claims are handled by Company adjusters. Outside adjusters are sometimes assigned to claims occuring in remote areas but even these claims are audited by company adjusters.

Church Mutual Insurance Company
Loss control and risk management services are offered at no additional charge. Visit the Church Mutual Insurance Company Web site for complete offering of risk management materials.

Covenant Presbyterian Insurance Program
CPIP offers all risk management services at no additional charge to members. Services include property evaluation visits, seminars, consultations and resources available at the Covenant Presbyterian Insurance Program Web site.

GuideOne Insurance Company
Yes. The GuideOne Center for Risk management provides free on-site inspections when requested by a policyholder or an underwriter. The center also produces manuals, check-list, brochures and news letters. Some are free and some are offered at reduced pricing to GuideOne policy holders. Arrangements have been made with other companies to provide needed church products and services such as background screening, human resource assistance, etc., at substantial savings.

Church Mutual Insurance Company
Yes, all such religious-related facilities, with the exception of nursing, are insurable with Church Mutual for Property and Casualty coverages.

Covenant Presbyterian Insurance Program
The CPIP master policies include all governing bodies and congregational properties and activities as well as camps and conference centers. Day care centers in churches are included.

GuideOne Insurance Company
Yes. All Presbyterian Church (U.S.A.) entities are eligible for property and casualty coverage subject to underwriting approval.

Church Mutual Insurance Company
Yes, based on underwriting guidelines, all such programs and activities are insurable with Church Mutual for Property and Casualty coverages.

Covenant Presbyterian Insurance Program
The CPIP master policies include all activities and property of the church for which the session or board of trustees have responsibility.

GuideOne Insurance Company
Yes. All activities and programs of Presbyterian Church (U.S.A.) are eligible for property and casualty coverage subject to underwriting approval.

Church Mutual Insurance Company
Earthquake is generally available in all states. Flood is placed through the National Flood Insurance Program.

Covenant Presbyterian Insurance Program
The CPIP master policy provides earthquake coverage in all states except California, Arkansas, Washington and Oregon. Flood is included and is excess to National Flood Insurance in 100 year flood zones.

GuideOne Insurance Company
Earthquake coverage is available in all states with the exception restrictions/limitations in Arkansas, California, Illinois, Kentucky, Missouri, Mississippi, Oregon, and Wash Flood is not available in any state but is available through the National Flood Insurance Program.

Contact Information

Church Mutual Insurance Company
Martin F. Heyne - Director Group Sales
Church Mutual Insurance Co.
P. O. Box 357
Merrill, WI 54452
(715) 536-5577

Covenant Presbyterian Insurance Program
Robert D. Reis, CPCU, ARM, President and CEO
Covenant Presbyterian Insurance Program, Inc.
205 Keller Street, Ste. #203
Petaluma, California 94952-2886
(888) 413-2747

GuideOne Insurance Company
Jim Bonney
1111 Ashworth Rd.
W. Des Moines, IA 50265
www.guideone.com
(515) 267-5193
Fax: (515) 267-5250