Insurance and Risk Management

for the congregations, synods, and affiliated organizations of the Evangelical Lutheran Church in America

"ELCA is pleased to provide all interested congregations with free comprehensive safety resources from Church Mutual Insurance Company, the ELCA endorsed program insurer. This important information consists of a wide variety of risk management materials all of which can help your congregation operate in a safe manner thereby helping to prevent losses. Please read the following Church Mutual information for further details."

Insurance and Risk Management for Congregations, Synods, and Affiliated Organizations of the Evangelical Lutheran Church in America

Insurance and Risk Management Resources

The Office of the Secretary provides this Web site to assist congregations and ELCA organizations in obtaining insurance and filling risk management needs.

We are pleased to announce that our new ELCA endorsed property and liability insurance program will be underwritten through Church Mutual Insurance Company and brokered by Hilb Rogal & Hobbs (HRH). To read the announcement, click here.

Church Mutual offers an unmatched combination of size, service, expertise and financial strength.

Church Mutual insures more than 97,000 religious organizations nationwide -- more than twice as many as any other insurance company. The company currently insures the ELCA churchwide office, nine ELCA regional offices, various synod offices and approximately 3,300 ELCA congregations.

Church Mutual has a strong reputation for paying claims and financial stability. Church Mutual has been rated A+ (Superior) by A.M. Best every year since 1952. No other church specialist holds a rating this high. To learn more about what Church Mutual has to offer the ELCA, click here.

Compare your present coverage with a proposal from Church Mutual.

Church Mutual has earned its exceptional reputation as a specialist insuring churches and related organizations by understanding the unique needs of each congregation it serves. New congregational and synod policyholders get the added benefit of a custom, on-site insurance needs analysis to help ensure the best possible coverage. To request a quote from Church Mutual, including a free on-site insurance needs analysis, click here.

Insuring your Ministry: Points to Consider (brochure)   

Free, comprehensive safety resources.

Church Mutual offers a wide variety of risk management materials — videos, brochures, posters, checklists and more — covering a range of church-related safety issues. To view, print or order any of these materials, click here.

Questions and Answers About the ELCA Endorsed Property and Liability Insurance Program 

To contact Church Mutual, call (800) 554-2642 and select option #1 - customer service.

Or, to contact your local Church Mutual representative, click here for our directory.

NOTES: You can go to “Selected Topics” to move around within the ELCA site. One of those topics should be “Insurance.”