Change Your Church’s Insurance Broker Without Changing Your Insurance
Happy with your insurance company but rarely hear from your broker? You can keep your insurance company but change the broker who services it with a simple Broker of Record (BOR) letter: one signed document that changes your church's broker on your existing policy
Your coverage, carrier, and price stay the same.
Your Insurance Company and Your Broker Are Two Different Relationships
The Insurer
The insurance company holds the risk and pays your claims. This can stay exactly where it is.
The Broker
Represents your church, services the account, and is paid a commission from the insurer that is already built into your premium.
Your Church
Is paying for both the insurance and the broker services, every year, whether or not the broker service ever shows up.
Most church leaders assume that because they have a certain insurance company, they are stuck with that company’s agent, and that nothing can change until renewal. None of that is true. Your insurance company holds the risk and pays claims. Your broker represents your church, services the account, and is paid a commission that is already built into your premium. You are paying for both. You can keep the insurance company exactly as it is and choose a different broker to represent you, at any time, by signing one letter.
You are already paying for a broker. Are you getting one?
The commission for servicing your policy is built into your premium either way. The only question is whether the broker receiving it is actually doing the work. A few questions worth asking your board:
Who reviews your coverage during the year, not just at renewal?
Does your broker actually understand how churches operate?
When did you last hear from your insurance broker?
Who do you call when you have a coverage question?
Nothing about your protection has to change
Stays the same
Your insurance company
Your coverage and limits
Your premium and price
Your policy, with no lapse or gap
Changes
Who represents and services your church
Who you call with a question
Who reviews your risk through the year
Who receives the commission you already pay
We will explain everything before you decide anything.
What appointing Hale Street means, and which policies are covered.
What will change and what will not.
What happens to your current broker.
How Hale Street is compensated.
What services we will provide once we represent you.
Any timing rules your insurance company has for changing brokers.
If we are going to be compensated for serving your church, we should earn that relationship by providing exceptional service.
Changing brokers is an important decision for a church, so we believe you should understand exactly what happens before you make it. Before you sign anything, we will explain:
A broker built around how churches actually operate
We do not insure churches alongside everything else. Churches are what we do. We look at your whole risk picture, governance, staffing, facilities, volunteers, and multi campus exposure, not just property and liability, and we bring board and stewardship experience to the table. And we prove it in the first 30 days.
A full review of your current policy, explained in plain language, and a coverage gap analysis report
Step 1
Step 2
A meeting with your leadership team to walk through the findings and answer questions
Step 3
Quotes that match your specific church needs from the top church insuring carriers
Expect to hear from your current broker
When you appoint a new broker, your insurance company notifies your current broker. For the first time in a while, they may call you, and they may say something like, "that agent is just taking my commission." Here is the honest truth, told to you up front:
The commission for servicing your account does move to the broker who does the servicing. That is how it has always worked, for them and for us. You are not paying anything extra. You are simply choosing who receives what you already pay, and your current broker is always welcome to make their case to you. The decision about who represents your church is entirely yours.
Why churches choose Hale Street
We understand church stewardship, finance, and operations, not just insurance policies
We evaluate governance, staffing, facility, and volunteer risk, not just coverage limits
Independent licensed brokerage serving all 50 states. We work for your church, not a carrier
Access to top regional and national church insurance carriers
Broker of record, in plain English
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No. Appointing a new broker does not change your policy, your carrier, your limits, or your premium. Your coverage stays in force with no lapse. Any future change to your actual coverage would only happen after we discuss it and you approve it.
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No. A broker of record letter can be filed at any time of year. Renewal timing does not have to gate the decision.
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No. Brokers are compensated through a commission that is already built into your premium. When Hale Street becomes your broker of record, that same commission generally comes to us instead of your prior broker, because we take over the work of servicing your account.
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They will no longer represent your church for the policies you transfer, and your insurance company will notify them of the change. They are free to contact you, and you are free to hear them out. The choice to change brokers is always yours.
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You sign a short document called a broker of record letter, which tells your insurance company that Hale Street now represents your church. We walk you through exactly what it means before you sign, and we take over service from there.