What CONGREGATIONAL does

Congregational Insurance Solutions Ltd is a UK-based specialist insurance provider exclusively serving churches, places of worship, and associated organisations. Founded in 1890 and headquartered at Suite 2B, West Village, 114 Wellington Street, Leeds, the company is authorised and regulated by the Financial Conduct Authority (Reference 1038895) and operates as a subsidiary of Hannover Re, the global reinsurance group, with policies underwritten by Hadron UK Insurance Company Limited. The firm employs 1-10 staff and has provided continuous church-sector coverage for over 130 years, distributing primarily through a UK network of specialist insurance brokers with a secondary direct channel.

The company offers three core products under the 'Choice' brand: the Church Choice Policy (buildings, contents, loss of income, employers liability up to £10M, public liability up to £5M, trustees' and officers' indemnity, publishers indemnity, personal accident, and legal protection); the Manse Choice Policy (church-owned residential property including buildings, contents, public liability, and emergency services damage); and the Business Choice Policy (church-related commercial activities including business interruption, products liability, goods in transit, fidelity guarantee, and terrorism cover). The underlying technology is described as a standard insurance underwriting and claims-handling platform with no proprietary technology platforms disclosed; in-house specialist claims handlers operate from the Leeds head office. Adjacent to the core insurance offering, the firm operates the Safer Places of Worship (spow.co.uk) content resource providing free health, safety, and security guidance for places of worship.

Revenue is generated through recurring annual insurance premiums paid annually or via monthly direct debit (with a 6% service charge, APR 11.4%). Pricing is quote-based and not publicly disclosed. The company reports very high customer loyalty, including a 98% policyholder renewal rate and strong claims service satisfaction (93-100% across multiple metrics in May 2020 surveys). The GTM motion is centred on broker distribution with active broker recruitment, supplemented by direct sales via phone and email, and supported by community engagement through the URC Community Project Awards and Congregational Federation Serving the Community Awards.

Name

CONGREGATIONAL

Legal name

Congregational Insurance Solutions Ltd

Website

https://congregational.co.uk

Company type

Private

Founded year

1890

Operating status

Operating

Headcount range

1–10 employees

Short description

Congregational Insurance Solutions Ltd is a UK specialist insurer, founded 1890 and headquartered in Leeds, providing church, manse, and church-related business insurance through brokers and direct channels. It is a subsidiary of Hannover Re, with policies underwritten by Hadron UK.

Ownership category

akta.pro rank

Product category

Specialty Church and Religious Organisation Insurance

NAICS

Insurance Agencies and Brokerages (524210), Finance and Insurance (52)

SIC

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

akta.pro primary industry

Nonprofit / Social Services BOP (FSAJAFAM)

Keywords

• Church insurance
• Worship building insurance
• Religious property insurance
• Manse insurance
• Faith organisation insurance

Headquarters

HQ city

Bradford

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Church Insurance Premiums: Annual insurance premiums for church choice policies covering places of worship, including buildings, contents, liability coverage, and optional extensions. Premiums can be paid annually or monthly via direct debit with a 6% service charge for instalment payments.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Congregational Insurance Solutions Ltd is a specialist UK insurer that designs and underwrites insurance products exclusively for churches, places of worship, church-owned manses, and church-related businesses. Its proposition covers buildings, contents, and liability exposures specific to religious organisations, with policies distributed through appointed insurance brokers and directly to customers. Underwriting capacity is provided through Hadron UK Insurance Company Limited, with the firm operating under the Hannover Re group.

Product overview

Congregational offers a suite of specialist church insurance products under the "Choice" brand, comprising three core offerings: the Church Choice Policy (specialist cover for places of worship including buildings, contents, liability, and legal protection), the Manse Choice Policy (cover for church-owned residential properties), and the Business Choice Policy (insurance for church-related business activities). These products are distributed through specialist insurance brokers and directly, underwritten by Hadron UK Insurance Company, with in-house claims handling based in Leeds.

Differentiator

Problem solved

Functional benefit

Products and services

• Church Choice Policy A specialist insurance policy designed for churches and places of worship in the United Kingdom, combining cover for the church building, its contents, and third-party/public liability exposures associated with worship services and wider church-community use. The product is engineered for the legal structures and governance of ecclesiastical organisations and is targeted at PCCs, trustees, and church finance committees placing their insurance via appointed UK brokers.
• Manse Choice Policy A specialist insurance policy for clergy residences and other church-owned residential property in the United Kingdom. The product addresses the hybrid ecclesiastical/residential nature of manse use and provides buildings and contents cover suited to property held by churches, dioceses, or trust bodies for clergy or ministry-related occupants.
• Business Choice Policy A specialist insurance policy for church-related businesses and trading activities operated from church premises, such as hired church halls, coffee shops, nurseries, bookshops, or community enterprises. The product combines property and liability protection tailored to ancillary commercial activity run alongside worship and community use, and is sold to churches and faith organisations via appointed UK brokers.

Quantifiable outcome

• 98% of policyholders renew their policy each year
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Six partnerships are on record, tiered minor, core and flagship.

• Edwards Insurance BrokersminorChannel Partner/ Reseller/ Distributor · 10 April 2024Edwards Insurance Brokers joined Integra Insurance Solutions Limited as part of the company's long-term commitment to the church sector in the UK. This expanded the broker network serving Congregational products.
• Hadron UK Insurance Company LimitedcoreOthersHadron UK Insurance Company Limited is the underwriter for Congregational policies. Registered Office: One Fleet Place, London EC4M 7WS. Authorised by the Prudential Regulation Authority and regulated by the FCA (Reference 202146).
• ARAG Legal Expenses Insurance Company LimitedcoreTechnology or IntegrationARAG provides legal protection cover under section 7 of church and business choice policies. They also provide helpline services including legal advice, counselling, emergency assistance, and tax advice. Claims can be made by calling ARAG on 0800 1388 114.
• Planet MarkminorOthersPlanet Mark is an internationally recognised sustainability certification. Congregational joined Planet Mark to measure themselves as an ethical and sustainable company, reduce their Carbon Footprint, and measure contribution to local communities.
• United Reformed Church (URC)flagshipStrategic or Co-development PartnerCongregational partners with the United Reformed Church to run the annual URC Community Project Awards. The awards recognise innovative church projects with positive community impact. Congregational provides sponsorship and each winning project receives monetary awards (approximately £2,000).
• Congregational FederationflagshipStrategic or Co-development PartnerCongregational partners with the Congregational Federation for the Serving the Community Awards. This national recognition celebrates churches whose mission is lived out in practical, compassionate service to others. Awards presented at the Federation's National Assembly.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Allianz Insurance UK: Large UK general insurer with commercial lines products reaching charity and community customers via brokers. Relevant as a broad incumbent competing for some of the same church and charity BOP risks.
• NFU Mutual: Large UK mutual insurer with a broad rural and commercial book that also covers churches and community buildings. A broad incumbent competing for some of the same church and charity risks, but not a specialist in the vertical.
• Aviva UK: One of the UK's largest general insurers offering commercial package policies, including church and charity covers, through brokers. A broad incumbent that competes for church BOP business but without Congregational's specialist focus.
• Zurich Insurance UK: Major UK commercial insurer offering small and mid-market business insurance, including charities and places of worship, via brokers. A broad incumbent with overlapping capability but limited specialisation in the faith vertical.

Direct peers

• Wesleyan: UK mutual financial services group with a long-standing specialist offering for faith professionals, churches, and charities. Comparable to Congregational in targeting faith-based customers with tailored protection and savings products.
• Ansvar Insurance: UK specialist insurer for charities, churches, faith schools, and non-profit organizations. Ansvar competes head-to-head with Congregational in the faith and charity BOP space, with comparable product scope and broker distribution.
• Baptist Insurance plc: UK mutual insurer dedicated to Baptist churches, manses, and associated properties. Closely parallels Congregational's denomination-specialist positioning, product mix, and reliance on broker and direct relationships within a specific faith community.
• Methodist Insurance plc: UK specialist insurer serving Methodist churches, manses, and related organisations. Like Congregational, it is a denomination-anchored niche provider combining property, liability, and trustee cover for a defined faith community.
• Ecclesiastical Insurance Office: UK specialist insurer focused on charities, places of worship, heritage property, and the faith sector. Ecclesiastical is the most directly comparable peer, offering church, manse, and charity insurance through a similar broker-led model with deep denominational relationships.

Emerging players

• Hiscox UK: UK specialist commercial insurer with strength in niche small-business and charity covers distributed through brokers. An adjacent specialist whose product set overlaps with parts of Congregational's church-related business offering.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/congfca/videos
• Xx.com/congregational

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 CONGREGATIONAL