Church Mutual Insurance Company

What Church Mutual Insurance Company does

Church Mutual Insurance Company, S.I. is a Wisconsin-domiciled private stock insurance company operating within a mutual holding company system (CMHC) following its 2020 reorganization. Founded in 1897, the company is a specialty property and casualty insurer focused on purpose-driven organizations, with its primary segment being houses of worship alongside nonprofits and human services organizations, camps and outdoor recreation programs, and education and schools. The company is licensed in all 50 states plus the District of Columbia and operates from headquarters in Merrill, Wisconsin with regional offices in Madison, Milwaukee, Wausau, and Mechanicsburg, Pennsylvania.

The company underwrites property, liability, and workers' compensation insurance through a multi-channel distribution model combining direct sales (phone and web quote intake) with a 50-state broker and agent network supported by a dedicated Broker Center portal. Its technology platform includes digital claims reporting (covering workers' compensation, property loss, auto, and general liability), customer and broker portals for self-service, the CM Sensor IoT monitoring system for property loss prevention, and the CM Wildfire Solutions risk management product. Adjacent services include a 24/7 nurse hotline, telemedicine, and background check screening. A wholly-owned subsidiary, CM Vantage Specialty Insurance Company, supports specialty insurance underwriting.

Revenue is generated through annual insurance premiums priced via quote-based underwriting, with pricing dependent on organization type, coverage needs, and risk profile. Customer relationships are anchored by an average employee tenure exceeding 10 years and supplemented by the CM CARES foundation (which has donated over $5.9M to 1,441+ charitable organizations), supporting retention in a niche customer base that values mission alignment over price shopping. Recent leadership appointments include a new COO focused on digital transformation (Pam Rushing), a new Chief Underwriting Officer - admitted (Neil Ziegler), and a new CFO (Daniel Kim, 2025).

Name

Church Mutual Insurance Company

Legal name

Church Mutual Insurance Company, S.I.

Website

https://churchmutual.com

Company type

Private

Founded year

1897

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Church Mutual Insurance Company is a Wisconsin-based specialty P&C insurer founded in 1897 that underwrites property, liability, and workers' compensation coverage for houses of worship, nonprofits, camps, and schools across all 50 U.S. states plus DC.

Ownership category

akta.pro rank

Product category

Specialty Property & Casualty Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Property Insurance (FSAJACAE)

akta.pro secondary industry

Nonprofit / Social Services BOP (FSAJAFAM)

Keywords

• Specialty property insurance
• Liability insurance coverage
• Workers compensation insurance
• Religious organization insurance
• Nonprofit insurance

Headquarters

HQ city

Schuyler Lake

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance Premiums: Church Mutual generates revenue primarily through insurance premiums collected from policyholders. As a stock insurer within a mutual holding company system, they offer property, liability, workers' compensation, and specialized coverage to purpose-driven organizations.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Church Mutual Insurance Company, S.I. underwrites and delivers specialized property, liability, and workers' compensation insurance for purpose-driven organizations, with tailored coverage programs for houses of worship, nonprofit and human services organizations, camps/sports/outdoor recreation, and education/schools. The company complements its policies with risk management resources (250+ articles, checklists, safety products) and ancillary services including a 24/7 nurse hotline, telemedicine, background checks, and property-monitoring tools (CM Sensor, CM Wildfire Solutions). Distribution combines direct sales with a national appointed broker network.

Product overview

Church Mutual Insurance Company, S.I. offers a comprehensive suite of specialized insurance products designed for purpose-driven organizations. The core portfolio centers on property, liability and workers' compensation insurance, with specialized coverage options including commercial auto, crime, cyber liability, professional liability, umbrella, sexual misconduct, employment-related practices liability, hired and non-owned auto, inland marine, international travel, management liability and breach response services. The company targets four primary sectors: houses of worship, nonprofit and human services organizations, camps/sports/outdoor recreation, and education/schools. Beyond insurance, Church Mutual provides supplementary products including CM Sensor (24/7 temperature and water alert system), CM Wildfire Solutions, an online claims reporting platform, Nurse Hotline, Telemedicine, Background Checks, and the CM CARES foundation. The company also offers dedicated broker and customer portals for account management.

Differentiator

Problem solved

Functional benefit

Brands

• CM CARES: Church Mutual foundation supporting charitable, educational and religious causes that advance and elevate others
• Women's Leadership Initiative
• CM Wildfire Solutions
• CM Sensor
• Church Mutual Premier
• Protecting the Greater Good

Products and services

• House of Worship Insurance Specialized property, liability, and workers' compensation coverage tailored for religious organizations across denominations, protecting people, property, and mission against the unique risks of sacred spaces, volunteer-driven operations, and religious programs.
• Nonprofit & Human Services Insurance Comprehensive insurance coverage for nonprofit and human services organizations committed to serving communities, addressing liability, property, and operational risks unique to mission-driven entities and their volunteer and client populations.
• Camp, Sports & Outdoor Recreation Insurance Specialized coverage for camps, sports leagues, and outdoor recreation organizations serving youth, addressing youth protection, activity-related injuries, facility risks, and liability associated with working with children.
• Education & Schools Insurance Insurance coverage for schools and educational organizations, addressing student safety, facility protection, liability, and specialized risks in educational settings.
• Property Insurance Comprehensive property coverage protecting organization buildings, equipment, and inventory against damage, loss, or destruction, available as a standalone line of coverage.
• Liability Insurance Personalized liability coverage protecting organizations from unique risks associated with the special services they provide, including commercial auto, crime, cyber liability, professional liability, umbrella, sexual misconduct, employment-related practices liability, hired and non-owned auto, inland marine, international travel, management liability, and breach response services.
• Workers' Compensation Insurance Workers' compensation coverage promoting safe and secure work environments and protecting employees who serve purpose-driven organizations, including ministries, nonprofits, camps, and schools.
• Specialized Coverage Specialized coverage options complementing property, liability, and workers' compensation, including commercial auto, crime, cyber liability, professional liability, umbrella, sexual misconduct, employment-related practices liability, hired and non-owned auto, inland marine, international travel, management liability, and breach response services.
• CM Sensor 24/7 temperature and water alert system for property protection, helping mitigate risks related to water damage and temperature fluctuations in insured facilities.
• CM Wildfire Solutions Wildfire preparedness and prevention resources, tools, and support for at-risk organizations, helping mitigate property and operational exposure to wildfire events.
• Nurse Hotline 24/7 nurse hotline service providing medical guidance and claims support to policyholders and claimants.
• Telemedicine Virtual medical consultation services for policyholders and claimants as part of claims support.
• Background Checks Criminal records verification and identity verification products enabling organizations to screen employees and volunteers, supporting youth protection and risk management.
• Broker Portal Online portal for appointed insurance brokers to manage policies, access resources, and service their customers; account creation is invitation-based via [email protected].
• Customer Portal Online account management portal for policyholders to access their insurance accounts, view policies, make payments, and report claims.

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• Charitable Giving Survey PartnersminorStrategic or Co-development PartnerChurch Mutual conducts surveys on charitable giving trends and nonprofit health, releasing findings that benefit the broader sector.
• United WaycoreStrategic or Co-development PartnerThrough CM CARES foundation, Church Mutual supports United Way and its network of local chapters across the country. Recipients of foundation donations include United Way organizations.
• Feeding AmericacoreStrategic or Co-development PartnerThrough CM CARES foundation, Church Mutual supports food security initiatives via Feeding America network of food banks.
• Salvation ArmycoreStrategic or Co-development PartnerThrough CM CARES foundation, Church Mutual supports Salvation Army charitable programs and services.
• Meals on WheelscoreStrategic or Co-development PartnerThrough CM CARES foundation, Church Mutual supports Meals on Wheels programs serving seniors and vulnerable populations.
• Northcentral Technical College (NTC)minorStrategic or Co-development PartnerEducational partner for IT Scholars Program, providing tuition assistance and pathway to employment for students pursuing IT careers.
• University of Wisconsin-Stevens PointminorStrategic or Co-development PartnerEducational partner for IT Scholars Program, providing bachelor's degree pathway for IT careers at Church Mutual.
• Lakeland UniversityminorStrategic or Co-development PartnerEducational partner for IT Scholars Program offering computer science-related course options.

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• GuideOne Insurance: Direct specialty competitor focused on churches, schools, and nonprofit organizations — the closest peer in the religious-purpose-driven insurance niche with a similar underwriting and broker-led distribution model.
• Brotherhood Mutual Insurance Company: Specialty P&C insurer serving Christian churches, schools, camps, and related ministries — directly comparable customer segments, products, and go-to-market motion to Church Mutual's core houses-of-worship and education lines.
• Philadelphia Insurance Companies (PHLY): Top-5 specialty commercial insurer with deep nonprofit, human services, and education segments — directly competes with Church Mutual's property, liability, and workers' comp offerings for nonprofit and human services clients.
• Church Insurance Companies Corporation: Captive insurer serving Episcopal Church and affiliated religious institutions — comparable religious-organization niche, bundled property/liability/auto coverage, and member-aligned governance model.

Broad incumbents

• Hanover Insurance Group: Mid-large specialty P&C carrier with explicit nonprofit and human services practices alongside broader commercial lines — overlaps with Church Mutual in nonprofit/camp/education segments while also serving a much broader market.
• Markel Corporation: Diversified specialty insurer with strong nonprofit and camp/recreation practices — competes with Church Mutual in specialty P&C while also operating much larger reinsurance and insurance-linked securities businesses.
• Cincinnati Financial: Mid-large specialty P&C carrier serving commercial and nonprofit accounts through independent agents — comparable specialty distribution model with broader product and geographic footprint than Church Mutual.
• Travelers Companies: One of the largest US P&C insurers with established nonprofit, religious organization, and education practices through independent agents — competes on scale, capital, and breadth of product rather than niche specialization.
• Liberty Mutual Insurance: Global P&C giant with dedicated nonprofit and religious organization underwriting capabilities — competes with Church Mutual in core commercial lines but with vastly greater capital and product breadth.
• Nationwide Mutual Insurance: Large diversified mutual P&C insurer with specialty lines for nonprofits, schools, and religious organizations — comparable mutual governance heritage and broad agent distribution versus Church Mutual's niche specialization.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/churchmutual
• Facebookfacebook.com/churchmutual
• LinkedInlinkedin.com/company/church-mutual
• Instagraminstagram.com/churchmutual
• Xx.com/churchmutual

Revenue estimate

Valuation estimate

Number of profiles

Profiles22 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Church Mutual Insurance Company