Insurance Board

What Insurance Board does

Insurance Board is a Cleveland, Ohio-based nonprofit financial ministry founded in 1981 and owned by the Conferences of the United Church of Christ, providing tailored insurance products exclusively to churches and faith-based institutions. Its core offerings are a bundled policy suite covering property, liability, automobile, workers' compensation, and tenants/users liability, with the option to package multiple coverage lines into a single policy. The organization serves six specific Protestant denominations — the United Church of Christ, Christian Church (Disciples of Christ), Presbyterian Church (USA), Evangelical Lutheran Church in America, Alliance of Baptists, and Reformed Church in America — and explicitly does not serve other denominations or non-denominational churches.

The company's technology footprint is conventional rather than AI-enabled: a digital payment portal, online policy management system, and the Safety Central resource hub that delivers loss-prevention articles, webinars, and templates covering property risks, abuse prevention, youth safety, severe weather, cybersecurity, and emergency preparedness. Distribution is anchored by a nationwide network of exclusively appointed insurance agents operating in all 50 states, supplemented by direct phone sales (800.437.8830) and website-based proposal requests. Leadership is provided by President & CEO Timothy Harris, CPCU.

Insurance Board generates revenue through recurring insurance premiums on a quote-based pricing model tailored to each congregation's size, risk profile, and coverage selection. As a nonprofit ministry, surplus is reinvested into coverage, loss-prevention resources, and risk-management training rather than distributed as profit. Recent product activity has emphasized expanding Safety Central with modules such as cybersecurity content co-developed with CISA and the IB Water Sensors hardware offering, indicating a strategy of deepening member value through risk-management services rather than broadening the denominational customer perimeter.

Name

Insurance Board

Legal name

Insurance Board

Website

https://insuranceboard.org

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

11–50 employees

Short description

Insurance Board is a Cleveland-based nonprofit financial ministry founded in 1981 and owned by the United Church of Christ Conferences, providing bundled property, liability, auto, workers' comp, and tenants coverage exclusively to churches in six Protestant denominations. Distribution is via a nationwide appointed agent network and direct sales, complemented by the Safety Central risk-management resource hub.

Ownership category

akta.pro rank

Headquarters

HQ city

Cleveland

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Insurance Board generates revenue through insurance premiums paid by churches and faith-based institutions for property, liability, automobile, workers compensation, and tenant coverage policies.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Insurance Board underwrites and services customized church insurance policies covering property, liability, automobile, workers' compensation, and tenants & users liability, structured so churches can bundle coverage under a single policy. Offerings are tailored to faith-based institutions, including specialized protection for unique religious structures and objects such as stained glass windows and pipe organs, and are supported by the Safety Central resource hub for loss prevention and risk management.

Product overview

Insurance Board offers a bundled church insurance platform providing Property, Liability, Automobile, Workers' Compensation, and Tenants & Users Liability coverage. The portfolio combines multiple coverage types in a single policy, allowing churches to build tailored protection including specialized coverage for unique religious structures and objects like stained glass windows and pipe organs. Safety Central complements the insurance offerings with church safety resources, webinars, and loss prevention tools.

Differentiator

Problem solved

Functional benefit

Products and services

• Church Property Insurance Property insurance that protects churches and faith-based institutions against damages resulting from fire, theft, and other unexpected events, including specialized coverage for religious structures and objects such as stained glass windows and pipe organs.
• Church Liability Insurance Liability coverage that guards churches against legal claims arising from accidents or other unexpected events affecting congregations, staff, and visitors.
• Church Automobile Insurance Coverage for church-owned vehicles against accidents and damage, designed for faith-based institutions that operate vehicles for ministry activities.
• Church Workers' Compensation Insurance Workers' compensation insurance ensuring church staff are financially protected from work-related injuries, tailored to the staffing and volunteer structure of faith-based institutions.
• Tenants & Users Liability Insurance Liability coverage for events and external groups using church facilities, protecting faith-based institutions when outside organizations rent or use their premises.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Conferences of the United Church of ChristcoreStrategic or Co-development Partner · 1 January 1981Insurance Board is owned by the Conferences of the United Church of Christ. This ownership structure is fundamental to the organization's identity as a nonprofit financial ministry created specifically to serve churches. The relationship dates back to the founding of the organization.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Catholic Mutual Group: Catholic Mutual insures Catholic parishes, schools, and dioceses with bundled property, liability, and auto coverage — a structurally similar faith-denominational insurance ministry model to Insurance Board, just within the Catholic tradition.
• Adventist Risk Management: Adventist Risk Management provides property, liability, and specialty insurance to Seventh-day Adventist churches, schools, and institutions — directly comparable as a denominational-affiliated specialty carrier with similar coverage lines and church focus.
• Brotherhood Mutual Insurance Company: Brotherhood Mutual specializes in insurance for churches and faith-based organizations, offering property, liability, auto, and workers' comp — a near-identical product set and customer base to Insurance Board.
• GuideOne Insurance: GuideOne is a specialty carrier serving churches, schools, and faith-based organizations with property, liability, and workers' compensation coverage — overlapping directly with Insurance Board's vertical, product suite, and church-first distribution model.
• Church Mutual Insurance Company: Church Mutual is a specialty insurer focused specifically on churches, religious organizations, and related institutions — directly comparable to Insurance Board's core market, product set (property, liability, workers' comp, auto), and church-specific coverage expertise.

Broad incumbents

• Glatfelter Insurance Group: Glatfelter's religious-organization division provides property, liability, and specialty coverage to churches and faith-based nonprofits — a comparable product offering with a broader regional and denominational reach than Insurance Board.
• Lockton Companies: Lockton is a large commercial insurance brokerage with dedicated religious-institutions and nonprofit practices — relevant because it competes for the same church and faith-based accounts at the upper end of the market, even though it is not a specialty carrier.
• Philadelphia Insurance Companies (PHLY): Philadelphia Insurance underwrites nonprofit and religious-organization coverage as part of a broader commercial portfolio, including property, liability, and auto lines that overlap with Insurance Board's products, though it serves a much wider customer set.
• Chubb Limited: Chubb is a global specialty P&C insurer with religious-organization and nonprofit practices that compete for larger church and faith-based accounts, offering broader capacity and global reach than Insurance Board.

Emerging players

• Church Asset Management Services: Church Asset Management provides risk management, property, and liability solutions to churches and ministries — an emerging adjacent specialist whose bundled service approach mirrors Insurance Board's bundled-coverage model in the same customer segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/InsuranceBoard
• Facebookfacebook.com/InsuranceBoard
• LinkedInlinkedin.com/company/united-church-of-christ-insurance-board
• Xx.com/insurance_board

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Insurance Board