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Property and Casualty Insurance

The Church Insurance Companies (CIC)* continued to advance our work to deliver stability, responsiveness, and practical innovation to the organizations we serve. Our commitment remains unchanged: to protect what matters, manage risk responsibly, and help our clients carry out their work with confidence.

More than 90%

Share of US Episcopal churches insured by The Church Insurance Companies

A major milestone in 2025 was the launch of our secure online service. Built in response to client feedback, it provides streamlined, 24/7 access to essential services. Through My Admin Portal, clients can manage billing, access new and improved policy forms, and submit and track claims in one secure location. Electronic bill payments reduce paperwork, offering Episcopal institutions a faster, safer, and more convenient experience.

The new policy forms follow an industry-standard format, making them clearer and easier to navigate, particularly valuable during audits and compliance reviews. They are also available to download and print at any time.

Early adoption of our online service has been strong. According to Christopher Rourke, SVP and General Manager of Church Insurance, “Clients told us they want easier access to information and more flexibility in how they take care of things—whether that’s paying a bill, reviewing a policy, or submitting a claim. This gives them that flexibility and helps the process work better for everyone.”

"St. Matthew’s Parish School and Church sit on a 30‑acre campus in Pacific Palisades, one of California’s highest‑risk fire zones. Like many churches and independent schools across Southern California, we struggled for years to secure property and liability insurance.

That changed with Church Insurance. They insured us when no one else would, and at rates well below market. That decision proved critical when our campus suffered catastrophic fire damage last year. Eight of our nearly 30 buildings were destroyed, and the remaining structures required extensive remediation. More than 70% of our families and leadership lost their homes, and nearly our entire community was displaced.
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What followed was one of the largest and most complicated claims in Church Insurance’s history, yet throughout the process, the team demonstrated extraordinary professionalism, responsiveness, and compassion. Our relationship manager and claims team worked tirelessly to secure coverage for temporary locations, expedite certificates of insurance, and guide us through a $30 million claim that was paid out within a year.
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Communication was constant, payments arrived promptly, and lost income was covered, allowing both our church and school to continue operating.
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Because of Church Insurance’s deep expertise and unwavering support, we are now rebuilding, returning home, and continuing our mission. And just six months after the fire, Church Insurance renewed our coverage—a powerful vote of confidence in our future.
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At a time when many in our community faced adversarial battles with their insurers, our experience was the exact opposite. Church Insurance stood beside us every step of the way. Our church was back up and running in Pacific Palisades within 10 months, and our school will return to campus this September.
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We are going home. That would not have been possible without Church Insurance."

Alongside these enhancements, CIC remains focused on risk mitigation and cost containment—essential priorities in a property and casualty market shaped by rising loss severity and sustained pressure on insurance costs. An increase in weather-related claims in recent years has driven higher losses and reinsurance costs across the industry, ultimately affecting insurance rates for Episcopal institutions.

Deferred maintenance remains one of the most significant challenges, particularly for institutions stewarding older buildings with limited capital budgets. Issues that go unaddressed—sometimes risks churches may not even be aware of—can escalate quickly, turning relatively inexpensive repairs into far more costly fixes. CIC conducts hundreds of loss-control surveys with churches each year, providing practical, actionable, on-site guidance to help identify church‑specific risks before they result in claims.

In the event of a loss, our highly responsive team provides hands-on support, mobilizing quickly and working closely with clients to guide them through recovery and the claims process. Following a loss, we also work with organizations to implement proactive risk strategies that help prevent or mitigate future claims. These efforts strengthen individual organizations while supporting affordability across the broader insured community.

By combining trusted expertise with practical digital tools, CIC is building a service experience aligned with how clients operate today—simple, secure, and centered on stewardship—while laying a resilient foundation for the future.

*Collectively, The Church Insurance Agency Corporation, The Church Insurance Company, The Church Insurance Company of Vermont, and Church Insurance Holdings LLC

Trust Without Reservation

When a sprinkler failure caused extensive damage in a matter of minutes, the response that followed made all the difference. From showing up quickly to focusing on restoring what was lost, The Church Insurance Companies became more than a service provider; we became a trusted partner.
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The care, consistency, and commitment we tried to demonstrate over time turned a moment of crisis into a relationship built on confidence and trust. For Zion Church in Manchester, Vermont, that trust means knowing that when something goes wrong, support will be there, steadily and without hesitation.

Showing Up When It Matters Most

For Heather Crockett, Director of Casualty Claims at CIC, working in claims has become deeply personal. After years in the insurance industry, she found something different at Church Insurance, a place where we strive to let compassion, professionalism, and trustworthiness shape not just how the work is done, but why it matters.
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Claims work begins in moments of loss and disruption, and each situation brings something new to learn. By showing up fully, treating people with care, and being allowed to bring her whole self to the work, Heather allows that learning to turn into purpose. In helping others recover during difficult moments, her work becomes more than a job; it becomes a way to make a real difference.

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