Prefer to talk? Call 978.712.0111
How We Work with Large and Multi-Campus Churches
A large church's insurance is a program that has to be managed all year, not a policy bought once a year. Here's how we run it.
Review
Policies, declarations, schedule of values, loss runs, leases and contracts.
The first 90 days
Valuation and schedule clean-up
Every building, campus and lease scheduled correctly at replacement cost.
Benchmark
Limits, structure and cost compared with comparable churches; findings in writing.
Walkthrough
We meet with your executive pastor, business administrator or board to explain the findings.
Market strategy, done in the right order
When a program goes to market, the first broker to submit to a carrier controls that carrier for the term. We plan the approach with you so the market isn’t blocked, assemble a complete submission, and present options side by side.
The annual service calendar
Church carriers want complete submissions 30 to 60 days before the effective date. Working backward, the useful window opens about four months out.
120 days before renewal Submission packet assembled; schedule of values updated
90–60 days Markets approached; renewal terms negotiated
30 days Proposal walkthrough with leadership; binding
Mid-year Check-in on new buildings, programs, staff and vehicles
As needed Certificates, contracts, events, leases, claims
The submission pack
Whatever you have is a good start. A complete pack gets the best number from underwriters.
Declarations pages Current dec pages for every line.
Loss runs Three to five years of carrier-produced loss runs.
Statement of values Updated by building.
Payroll by class Clergy, teachers, childcare, facilities and office staff.
Programs School, preschool, camps, athletics, and outside groups using your buildings.
Vehicles A list of every vehicle.
Independent market access
Our own appointments plus partnerships give us access to regional and national church markets nationwide.
When there's a claim
We help you report it correctly, assemble documentation, and advocate with the carrier through resolution.
Planning a renewal, a new campus, or a school or childcare launch?
Start with a program review. Send us your current policies, or call and talk it through.
Prefer to talk? Call or text Jake at 978.712.0111
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