Church Pension Group

Carrier appetite summary

Scope & Distribution - Church Pension Group (CPG) is a financial services organization serving The Episcopal Church; its property & casualty business is written through the Church Insurance Companies (including Church Insurance Company and Church Insurance Company of Vermont as a captive). Coverage is tailored to Episcopal churches, dioceses, and related institutions, and is generally not marketed to non-Episcopal risks. - Lines supported through the Church Insurance Companies include church package placements combining property, liability, auto, crime, and related coverages for Episcopal institutions. Workers’ compensation for Episcopal entities is often handled in coordination with diocesan programs and Church Insurance Company of Vermont, subject to state WC rules and diocesan direction. Target / Preferred Business - Episcopal churches, dioceses, and institutions (parishes, cathedrals, retreat centers, schools and ministries recognized by The Episcopal Church) that comply with canonical requirements to maintain property and casualty insurance at diocesan‑specified minimum limits. - Risks that participate in diocesan or national safety and risk‑management initiatives and use CPG’s Safety & Insurance Handbook and related checklists (fire, water leak, auto safety, events/liquor, abuse prevention) to implement written policies, training, and regular facility inspections. - Accounts willing to place a broad package with Church Insurance (property, GL, auto, D&O, crime, abuse/molestation, umbrella) and follow the carrier’s recommendations on limits and deductibles. - Well‑maintained properties where deferred maintenance is being actively addressed, and where building use, tenant arrangements, and special events are documented and contractually managed (including appropriate certificates of insurance from users/tenants when required by the diocese). Restricted / Declined Business (Inferred Market Position) - Non‑Episcopal churches or non‑church commercial risks are generally outside appetite; Church Insurance is described by multiple diocesan sources as the captive/specialty insurer dedicated to Episcopal institutions only. - Congregations failing to meet canonical/diocesan minimum insurance requirements (limits, coverages), or that decline to carry core package coverages recommended by the diocese and CPG, may be ineligible or face non‑renewal until requirements are met. - High‑hazard or unmanaged exposures (e.g., significant rental/third‑party use of facilities, nurseries/daycare, schools, camps, or liquor at events) are expected to be carefully underwritten and conditioned on adherence to risk‑management protocols and additional insured/hold‑harmless and certificate requirements; accounts unwilling to comply are functionally restricted. Geographic & Segment Notes - Church Insurance Company is referenced as the captive property and casualty insurer for The Episcopal Church, writing coverage for the "overwhelming majority" of Episcopal institutions across U.S. dioceses and territorial jurisdictions. Local dioceses often coordinate placement, minimum limit standards, and periodic market checks (e.g., comparison quotes with Church Insurance Company of Vermont or other carriers if directed by the diocese). - Workers’ compensation arrangements can vary by diocese and state. Some diocesan finance/administration guides instruct parishes to participate in diocesan WC programs and to obtain comparisons or bids from Church Insurance Company or Church Insurance Company of Vermont prior to renewing with other carriers. Submission & Program Structure (Operational) - New business and renewals are typically coordinated through diocesan treasurers/finance offices and Church Insurance client services rather than through open‑market independent producers. - Prospective Episcopal clients are directed to contact Church Insurance Companies’ client services or request a quote via CPG’s Property & Casualty Insurance page. Diocesan business‑practice guides note that congregations apply for package policies negotiated by the diocese with Church Insurance. - Claims are handled centrally via Church Insurance Companies’ claims center; insureds are instructed to notify the carrier as soon as there is knowledge of an actual or potential claim and to follow published claim‑reporting procedures. - Evidence and certificates: standard Church Insurance forms are available for certificates of liability and evidence of property; building users/tenants are often required by the diocese to provide their own certificates naming the parish/diocese as additional insured for certain uses. Broker / Producer Notes - Church Insurance operates as a captive/specialty provider for Episcopal institutions under the CPG umbrella; there is no public, standalone commercial underwriting guide or open producer appointment process comparable to standard commercial carriers. - Access and placement are typically channeled through diocesan structures and Church Insurance Agency Corporation (an affiliate that markets and services the Church Insurance package programs) rather than third‑party wholesalers. - External brokers looking to move an Episcopal account away from Church Insurance should expect diocesan minimum insurance standards, canonical requirements, and possible expectations to seek a quote from Church Insurance (including its Vermont captive) as part of any marketing exercise. Key Practical Takeaways - Treat Church Pension Group / Church Insurance as a closed, denomination‑specific market for Episcopal institutions rather than a generalist commercial carrier. - Expect underwriting to emphasize: (1) compliance with Episcopal canons and diocesan minimum limits; (2) use of CPG risk‑management resources and safety protocols; and (3) full package placement (property, liability, auto, crime, abuse, D&O, umbrella) with Church Insurance for qualifying Episcopal risks. - Workers’ compensation is typically integrated into diocesan programs or captive structures; coordinate with the diocese and Church Insurance when structuring WC for Episcopal entities. - There is no publicly posted class‑by‑class appetite or binding guide; operational guidance should be taken from the diocesan finance/insurance manuals and CPG risk‑management publications, in consultation with Church Insurance underwriting or client services for case‑specific eligibility questions.

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