Adventist Risk Management , Inc.

What Adventist Risk Management , Inc. does

Adventist Risk Management, Inc. (ARM) is the official insurance and risk management company for the Seventh-day Adventist world church and its affiliated ministries, headquartered in Silver Spring, Maryland, and operating globally through regional offices in St Albans (United Kingdom) and Brasília (Brazil) plus a Gibraltar-based captive subsidiary. Founded in 1936 as the International Insurance Company of Takoma Park, the company has restructured over decades, with its primary captive insurer Gencon Insurance Company of Vermont (assets above $100M, annual gross written premiums above $95M) issuing liability policies globally and Gencon Insurance Company International Ltd. servicing Europe, Australia, and New Zealand.

ARM's product portfolio spans 16 specialized insurance lines - property, general liability, commercial auto, cyber liability, K-12 student accident, camp, recreational sports, activities accident, group coverages, personal effects baggage, short-term travel, out-of-country, volunteer labor, task force, executive risk, and a partnership with International SOS for medical/travel security - all tailored to Adventist ministry activities such as Pathfinders, camporees, mission trips, school operations, and volunteer projects. Underwriting is layered through carrier partners (AIG, ACE, Mutual of Omaha, GBG, The Federal Insurance Company) and brokers (AHP, HSR, Guy Carpenter), with the captive receiving the core long-term liability risk.

The go-to-market motion is enterprise field sales, with dedicated account executives assigned to specific Adventist unions and conferences across North America, supplemented by conference office referrals, denominational conferences, training seminars, webinars, the bi-weekly Solutions newsletter, the Let's Talk Solutions podcast, the free Risk Training Center (English and Spanish), the annual Safety Sabbath initiative, and a self-service TravelHub portal for selected coverages. Revenue is generated through recurring insurance premiums paid by churches, schools, camps, hospitals, conference offices, and affiliated ministries; financial statements are not publicly disclosed. The company is governed by an independent board composed of denominational administrators and insurance professionals, with no external venture or public-equity backing.

Name

Adventist Risk Management , Inc.

Legal name

Adventist Risk Management, Inc.

Website

https://adventistrisk.org

Company type

Private

Founded year

1936

Operating status

Operating

Headcount range

101–250 employees

Short description

Adventist Risk Management, Inc. (ARM) is the official insurance and risk management company for the Seventh-day Adventist world church, providing specialized property, liability, travel, cyber, and accident insurance to Adventist churches, schools, camps, hospitals, and ministries across North America, Europe, South America, and Australasia.

Ownership category

akta.pro rank

Product category

Faith-Based Insurance and Risk Management

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Faith-based insurance
• Captive insurance underwriting
• Church property liability
• Denominational risk management
• Ministry insurance services

Headquarters

HQ city

Silver Spring

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: ARM generates revenue through insurance premiums charged to Seventh-day Adventist churches, schools, camps, and other ministries for coverage including property, general liability, commercial auto, cyber liability, group accident, short-term travel, volunteer labor, K-12 student accident, and other specialized coverages. The company operates as the official insurance entity for the Seventh-day Adventist world church.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core offering

Adventist Risk Management, Inc. provides specialized insurance products and risk management services exclusively to Seventh-day Adventist churches, schools, camps, healthcare organizations, and affiliated ministries worldwide. The portfolio includes 16 distinct insurance lines (property, general liability, commercial auto, cyber liability, executive risk, travel, accident, volunteer labor, K-12 student, camp, and group coverages) underwritten through captive insurance subsidiaries. Coverage is sold through dedicated account executives assigned to unions/conferences and a self-service TravelHub portal, with complementary free risk management education via the Risk Training Center, Solutions newsletter, and Let's Talk Solutions podcast.

Product overview

Adventist Risk Management, Inc. (ARM) is the official insurance and risk management company for the Seventh-day Adventist Church, providing a comprehensive portfolio of insurance products and safety resources. The product portfolio centers on 16 core insurance products covering activities accident, camp, commercial auto, cyber liability, executive risk, general liability, group coverages, international SOS, K-12 student accident, out-of-country, personal effects baggage, property, recreational sports, short-term travel, task force, and volunteer labor insurance. These are complemented by educational and safety platforms including the Risk Training Center (offering courses in English and Spanish), Safety Sabbath annual initiative, Spy Danger Pathfinder Honor, Solutions Newsletter (bi-weekly publication), and the Let's Talk Solutions Podcast. The company has operated since 1936 and serves Adventist churches, schools, camps, hospitals, and ministries worldwide through its affiliated companies including Gencon Insurance Company of Vermont and Gencon Insurance Company International.

Differentiator

Problem solved

Functional benefit

Brands

• Solutions: Risk management newsletter published by Adventist Risk Management, Inc. providing safety and risk management resources for churches, schools, and ministries. Celebrated 20 years of publication in 2017.
• GENCON Insurance Company of Vermont
• GENCON Insurance Company International, Ltd.

Products and services

• Activities Accident Insurance Accident and Medical coverage plus Accidental Death and Dismemberment coverage for participating organizations for ministry trips and activities. Per-event policy for on- or off-site activities.
• Camp Insurance Provides Accidental Death and Dismemberment, Accident Medical Expense, and optional Sickness Medical benefit coverage designed to protect camp programs and help comply with regulatory requirements.
• Commercial Auto Insurance Protection from loss incurred through legal liability for bodily injury and property damage to others caused by accidents arising from ownership, maintenance, or use of motor vehicles.
• Cyber Liability Insurance Coverage for equipment and member information in the event of data hacks, cyber ransom, virus attacks, vandalism, and system sabotage. Protects ministries that own internet-connected technology or host member data on servers or cloud storage.
• Executive Risk Protection Coverage for leadership occupational exposures including financial, personnel, and legal risks. Provided by The Federal Insurance Company for the General Conference of Seventh-day Adventist and affiliated organizations.
• General Liability Insurance Covers bodily injury, personal injury, or property damage to others occurring on the insured's premises or resulting from the insured's operations, paying sums the insured is legally obligated to pay.
• Group Coverages Protection for groups participating in activities including Pathfinders, Vacation Bible School, and Camp Retreats.
• International SOS Membership Medical and travel security services partnership providing access to health and security information, expertise before, during and after trips. Available with eligible insurance products including Short-Term Travel, Volunteer Labor, Out-of-Country, and International Pathfinders insurance.
• K-12 Student Accident Insurance Coverage for students of Adventist K-12 schools in the United States. ARM partners with Mutual of Omaha Insurance Company and AHP (Academic HealthPlans) to provide Basic and Catastrophic Student Accident Insurance options.
• Out-of-Country Insurance Package for employers and volunteer-coordinating organizations covering workers (employees or volunteers) serving outside their home country, providing key coverages for workers and their families.
• Personal Effects Baggage Insurance Coverage for employee belongings when on business travel or engaged in business activities away from their permanent residence.
• Property Insurance Coverage for physical property including buildings, contents, equipment, and inventories as scheduled on the insurance policy. Covers losses from fire, hail, lightning, wind, frozen pipes, vandalism, and theft.
• Recreational Sports Insurance Coverage for sports activities such as skiing, go-carting, skateboarding, parasailing, roller blading, biking, or rock climbing. Provides reimbursement of covered medical expenses and other physical losses when accidents occur.
• Short-Term Travel Insurance Protection for missionaries and volunteers on church trips and Adventist Church employees or retirees on business trips or vacations. Covers medical emergencies, loss of personal property, security threats, and loss of life.
• Task Force Insurance Coverage for task force workers including student interns, assistant deans, pastors, teachers, and other assignments. Covers accident and sickness medical expenses and accidental death and dismemberment.
• Volunteer Labor (Daily) Insurance Coverage for volunteers performing labor activities such as construction or medical services. Covers medical expenses, lost wages, and other physical losses. Per-event, per-person policy.

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Nine partnerships are on record, tiered core.

• International SOScoreStrategic or Co-development PartnerARM partners with International SOS, the world's leading medical and travel security services company, through a membership program accessible when purchasing eligible ARM insurance products including Short-Term Travel, Volunteer Labor, Out-of-Country, International Pathfinders, and employer-paid insurances. International SOS provides medical and travel security information and expertise before, during, and after trips.
• Mutual of Omaha Insurance CompanycoreTechnology or IntegrationARM has partnered with Mutual of Omaha Insurance Company to provide K-12 Student Accident Insurance for Adventist K-12 schools in the United States, supporting the growing needs of Adventist educational institutions.
• AHP (Academic HealthPlans)coreTechnology or IntegrationAHP (Academic HealthPlans) manages enrollment processing for K-12 Student Accident Insurance programs offered through ARM to Adventist schools.
• Health Special Risk, Inc (HSR)coreTechnology or IntegrationHealth Special Risk, Inc (HSR) provides claims management services for the K-12 Accident Medical plan offered through ARM to Adventist schools.
• Guy CarpentercoreTechnology or IntegrationARM partners with Guy Carpenter, a reinsurance broker, for wildfire protection expertise and risk management guidance for Adventist ministries.
• The Federal Insurance CompanycoreTechnology or IntegrationThe Federal Insurance Company provides Executive Risk Protection coverage for the General Conference of Seventh-day Adventist and its affiliated and subsidiary organizations.
• GBG (Global Benefits Group)coreTechnology or IntegrationGBG provides Volunteer Labor insurance products through ARM, covering medical expenses, lost wages, and other physical losses for volunteers performing labor activities such as construction or medical services.
• AIG (American International Group)coreTechnology or IntegrationAIG underwrites Activities Accident Insurance and Recreational Sports Insurance for Adventist ministries, providing Accident and Medical coverage and Accidental Death and Dismemberment for participating organizations.
• ACE Specialty RiskcoreTechnology or IntegrationACE Specialty Risk underwrites Out-of-Country and Short-Term Travel Insurance packages for ARM, covering accident and sickness medical expenses, accidental death and dismemberment, trip cancellation, and personal effects for missionaries and church employees traveling internationally.

Scale indicators3 records

Recent moves10 records

Expansion highlights5 records

Direct peers

• Church Mutual Insurance Company: Faith-based property and casualty insurer specializing in religious organizations, churches, and related ministries. Highly comparable to ARM as a denomination-affiliated specialty carrier with a captive-like focus on houses of worship and Christian institutions.
• GuideOne Insurance: Specialty insurer with a long-standing focus on churches, faith-based organizations, schools, and senior living communities. Comparable to ARM in targeting religious and nonprofit institutional risks with tailored products.
• Brotherhood Mutual Insurance Company: Insurance provider for Christian churches, camps, schools, and colleges. Directly comparable to ARM in serving faith-based organizations with property, liability, auto, and specialty coverage and a mission-driven operating model.
• National Catholic Risk Retention Group: Risk retention group providing liability and property insurance exclusively to Catholic dioceses, parishes, and schools. Directly comparable to ARM as a denomination-captive insurance entity with captive-like structure and mission-driven focus.
• Glatfelter Insurance Group (American Church Group): Program administrator specializing in insurance for churches and religious organizations through the American Church Group. Closely comparable to ARM in offering denominational and faith-based institutional coverage programs.

Emerging players

• Schools Insurance Authority (California): JPA-style risk pool providing property, liability, and workers' compensation coverage to K-12 schools. Comparable to ARM's Adventist K-12 insurance programs as a niche risk pool serving educational institutions with bundled coverage.

Broad incumbents

• Lockton Companies: Largest independent insurance brokerage globally with dedicated religious and nonprofit practices. Comparable to ARM's risk advisory and brokerage function, though serving a broader client base across multiple denominations.
• Chubb Limited: Global specialty P&C insurer with significant religious and nonprofit organization practice, including D&O and executive risk products. Comparable to ARM in offering specialty executive and institutional coverages, though as part of a global portfolio.
• AIG (American International Group): Major global insurer underwriting Activities Accident and Recreational Sports coverage for ARM. Comparable as a property and casualty carrier that supports specialty religious and nonprofit risks as part of a much broader portfolio.
• Marsh McLennan: Global insurance brokerage and risk advisory leader with a faith-based and nonprofit specialty practice. Comparable to ARM as a risk intermediary, though at much greater scale and across many verticals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubefeeds.captivate.fm/lets-talk-solutions
• Xx.com/adventistrisk
• Facebookfacebook.com/adventistrisk

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries4 records

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 Adventist Risk Management , Inc.