Insurance Program Results
Crittenden Insight |
Crittenden Insurance Program Directory™ |
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Religious Organizations Package Programs |
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Carrier (Administrator) |
Appetite/Distinguishing Characteristics |
Distribution/Access |
Crittenden’s Customer |
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Philadelphia Insurance Cos. |
General liability up to $1 million/$3 million, abuse and molestation, property, professional liability, large excess limits available, hired non-owned auto, directors & officers, crime and fidelity. |
Independent |
5 Stars |
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GuideOne Insurance Cos. |
FaithGuard Church covers churches of all denominations. Property with options to add crime, computer fraud, inland marine, green upgrade, etc. General liability with options to add hired non-owned auto, employment practices, employee benefits, directors and officers, educators legal liability, sexual misconduct, lost wages, counselors liability, etc. |
Career Agents or Independent Agents |
4 Stars |
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Great American Insurance Group |
Abuse and molestation, general liability, professional liability up to $1 million/$3 million each. Umbrella up to $15 million, including professional abuse or molestation. Cyber liability, hired non-owned auto, crime, directors and officers, equipment breakdown, inland marine, property, excess and accident and health. |
Agents |
4 Stars |
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Western World Insurance Co. |
Religious organizations with up to 1,000 congregants including houses of worship with day care and preschool services. Doesn’t write risks in Hawaii. Does write property, general liability, premises and products, medical payments, property damage to rented premises, hired non-owned auto, pastoral professional, sexual molestation, directors and officers, employment practices liability and employee benefits liability. More than 30 endorsements available to expand coverage. Limits up to $5 million. |
Retail Agents |
5 Stars |
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United States Liability Insurance/Chubb Ltd. |
Churches with up to 1,000 members, 30,000 sq. ft. and up to $5 million total insured value. Considers all denominations including nondenominational and independent. Owner occupied or tenant based, startup and storefronts also considered. Will not write risks in West Virginia, Alaska or Louisiana. See additional exclusions online. Property up to $5 million, general liability up to $2 million, abuse and molestation up to $300,000, and up to $5 million directors and officers and employment practices liability. |
Insurance Agents |
4 Stars |
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Cincinnati Insurance Co. |
Property, liability, crime. Optional coverage includes CinciPlus property endorsements, building law safeguard, sexual misconduct, clergy and counselors’ professional liability, wrongful acts and employment practices liability. |
Independent Agents |
2 Stars |
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Church Mutual Insurance Co. |
Multi-peril policy offers up to six separate coverage parts for property, general liability, professional liability, crime, inland marine, hired non-owned auto. Also commercial auto, umbrella and workers’ compensation available. |
Appointed Brokers and Agents |
3 Stars |
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Brotherhood Mutual Insurance Co. |
MinistryFirst policy offers property and general liability with several broadening endorsements. Also coverage for pastoral/religious counseling, directors and officers, sexual acts, employment practices, hired non-owned auto, media liability, cyber liability, relief activities, security operations, worldwide liability and medical extension, workers’ compensation and excess liability. MinistryEssentials offers tailored coverage to churches with basic operations. Neither product is available in Alaska, Hawaii, Louisiana or Florida. |
Independent Agents |
3 Stars |
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Utica National Insurance Group |
Property, general liability. Religious Institutions Enhancement Plus Endorsement offers building ordinance or law coverage, pollution, money and securities, business income and extra expenses and employees, members, officials, clergy, board members and volunteers working for religious institution covered as additional insureds. Other coverage available includes clergy person legal liability, directors and officers, sexual misconduct/molestation, commercial auto, computer coverage, inland marine, umbrella and workers compensation. |
Independent Agents |
4 Stars |
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Selective Insurance Group |
Churches and other houses of worship, including those with affiliated day care exposure and/or affiliated faith-based school. Property, general liability, commercial auto. Optional coverages include abuse and molestation, cemetery liability, crisis response, cyber, employee benefits liability, GreenPac, key employee replacement, personal religious counseling, directors and officers, and school board legal liability. |
Independent Agent |
4 Stars |
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American Alternative Insurance Co. (Glatfelter Religious Practice) |
General liability, pastoral and counseling liability, abuse and molestation, property, commercial auto, umbrella/excess, directors and officers, foreign liability, workers’ compensation. Not available in Alaska and Hawaii. |
Agents and |
4 Stars |
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Liberty Mutual Group |
Commercial auto, general liability, property as well as crime, directors and officers, employee benefits liability, employment practices liability, identity theft insurance, pastoral professional liability, sexual misconduct and molestation insurance. |
Independent Agent |
4 Stars |
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Source: Crittenden Research Inc.™ |
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Excess & Surplus Property
Administered By: Beazley
Distribution: Direct/Broker
| Industries: |
Apartments, Churches/Religious Institutions/Organizations, Gas Stations, Manufacturers/Manufacturing Risks, Real Estate Managers, Real Estate Owners, Real Estate Risks (Municipal Property), Retail, Senior Living Facilities |
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Carriers: Beazley Insurance Co. Inc.
Coverage: Commercial Property
Limits: up to $1 billion (TIV)
Religious Organization
Administered By: Philadelphia Insurance
Distribution: Carrier Direct
| Industries: |
Churches/Religious Institutions/Organizations |
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Carriers: Philadelphia Insurance Co.
Coverage: Commercial Auto (Hired & Non-Owned), Crime, Directors & Officers (D&O), Excess, Fidelity, General Liability, Professional Liability, Property, Umbrella/Excess
Limits: $1 Million - $20 Million (Auto, on CSL on primary and follows to the higher millions available in the umbrella.), $1 Million - $3 Million (Casualty limits on the primary), Up to - $20 Million (Umbrella)
Cornerstone Plus
Administered By: GuideOne Insurance Cos.
Distribution: Direct/Broker
| Industries: |
Churches/Religious Institutions/Organizations |
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Carriers: GuideOne Insurance Cos.
Coverage: Abuse & Molestation Liability, Business Personal Property/Business, Computer Fraud, Crime, Directors & Officers (D&O), Educators Legal Liability , Employee Benefits, Employee Benefits Liability, Employment Practices Liability (EPL), General Liability, Hired & Non-Owned Auto, Inland Marine
Limits:
FaithGuard Church
Administered By: GuideOne Insurance Cos.
Distribution: Direct/Broker
| Industries: |
Churches/Religious Institutions/Organizations |
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Carriers: GuideOne Insurance Cos.
Coverage: Abuse & Molestation Liability, Commercial Auto (Hired & Non-Owned), Crime, Directors & Officers (D&O), Educators Legal Liability , Employee Benefits, Employment Practices Liability (EPL), General Liability, Legal Liability
Limits:
Religious Institutions
Administered By: Great American Insurance Group
Distribution: Carrier Direct
| Industries: |
Churches/Religious Institutions/Organizations |
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Carriers: Great American Insurance Cos.
Coverage: Abuse & Molestation Liability, Auto Liability , Auto Physical Damage, Boiler & Machinery, Business Income/Extra Expense, Crime, Cyber Liability, Directors & Officers (D&O), Employment Practices Liability (EPL), General Liability, Inland Marine, Professional Liability, Property, Umbrella/Excess
Limits: up to $10,000 varies by coverage (Crime), up to $50,000 (Kidnap), up to $15 million (Umbrella), up to $25,000/$50,000 (Communicable Disease), up to $50,000 (Arson Reward), up to $1 million/$3 million (Professional Liability), up to $250,000/$250,000 (Blanket Property)
Abuse/Molestation Insurance (Claims Made)
Administered By: NAS Insurance Services
Distribution: MGA
| Industries: |
Churches/Religious Institutions/Organizations, Day Care (Child or Adult) |
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Carriers: Lloyd's of London
Coverage: Abuse & Molestation Liability
Limits: up to $250,000/$500,000 (Legal Expense & Loss), up to $1 million (Legal Expense Only)
Active Shooter/Deadly Weapon Liability
Administered By: McGowan Program Administrators
Distribution: Program Administrator
| Industries: |
Churches/Religious Institutions/Organizations, Colleges & Universities, Commercial Real Estate, Community Associations, Education & Nonprofit, Film Risks, Political Risk (Terrorism/War/General), Private Companies, Public Companies , Retail, Stage Risks |
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Carriers: Lloyd's of London
Coverage: Deadly Weapon Protection Liability
Limits: $50,000 - $20 million
Church Liability Insurance
Administered By: All Risks
Distribution: Program Administrator
| Industries: |
Churches/Religious Institutions/Organizations |
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Carriers: Western World Insurance Co.
Coverage: Abuse & Molestation Liability, Commercial Property, Directors & Officers (D&O), Employee Benefits Liability, Employment Practices Liability (EPL), General Liability, Hired & Non-Owned Auto
Limits: up to $5 million
Clergy & Pastoral Counseling Professional Liability Insurance
Administered By: American Professional Agency
Distribution: Program Administrator
| Industries: |
Churches/Religious Institutions/Organizations, Mental Health/Behavioral (Counseling/Counselors) |
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Carriers: Allied World Assurance Co.
Coverage: Professional Liability
Limits: up to $2,000,000/$4,000,000 (Professional Liability)
Directors & Officers
Administered By: Kinsale Insurance
Distribution: Carrier Direct
| Industries: |
Adoption/Foster Services & Facilities, Assisted Living Facilities, Auto/Car Dealerships, Behavioral/Mental Health Organizations, Blood/Tissue Banks, Camps (Youth, Sports & Enrichment), Churches/Religious Institutions/Organizations, Colleges & Universities, Community Associations, Crisis Call Centers, Day Care (Child or Adult), Education & Nonprofit, Groups & Clubs, Hospice, Libraries, Medical Clinics/Infirmaries, Mental Health/Behavioral (Counseling/Counselors), Nonprofit Organizations, Private/Charter Schools, Restaurants, Social Services, Substance Abuse Rehabilitation Facilities & Services |
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Carriers: Kinsale Insurance Co.
Coverage: Directors & Officers (D&O)
Limits: up to $5 million/$5 million (Primary)
Participant Accident Insurance (Special Risk)
Administered By: Arch Insurance Group
Distribution: Direct/Broker
| Industries: |
Camps (Youth, Sports & Enrichment), Churches/Religious Institutions/Organizations, Civic Clubs (Nonprofit), Colleges & Universities, Day Care (Child or Adult), Firefighters (Volunteer), Nonprofit Organizations, Schools, Youth Services/Facilities, Youth Sports |
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Carriers: Arch Insurance Co.
Coverage: Accident & Health, Accidental Death & Dismemberment
Limits: - - - (Limits vary by group)
Umbrella & Excess
Administered By: StarStone
Distribution: Carrier Direct
| Industries: |
Auto Service and Repair, Churches/Religious Institutions/Organizations, Colleges & Universities, Habitational, Municipalities/Government Bodies, Schools |
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Carriers: StarStone National Insurance Co., StarStone Specialty Insurance Co.
Coverage: Excess, Umbrella/Excess
Limits: up to $15 million (For low and medium hazard risks), up to $10 million
Religious Institutions
Administered By: Cincinnati Insurance Cos.
Distribution: Carrier Direct
| Industries: |
Churches/Religious Institutions/Organizations |
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Carriers: Cincinnati Insurance Co.
Coverage: Abuse & Molestation Liability, Commercial Property, Crime, Employment Practices Liability (EPL), General Liability, Wrongful Acts
Limits:
Travel Protector
Administered By: AIG
Distribution: Direct/Broker
| Industries: |
Churches/Religious Institutions/Organizations, Colleges & Universities, Nonprofit Organizations, Schools |
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Carriers: AIG
Coverage: Accident & Health, Accidental Death & Dismemberment, Excess, Natural Disaster, Political Risk/Terrorism, Property, Umbrella/Excess
Limits: up to $50 million
Volunteer Accident Insurance
Administered By: AIG
Distribution: Direct/Broker
| Industries: |
Athletes & Athletic Organizations, Churches/Religious Institutions/Organizations, Groups & Clubs, Healthcare Systems, Nonprofit Organizations |
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Carriers: AIG
Coverage: Accident & Health, Accidental Death & Dismemberment, Excess, Umbrella/Excess
Limits: up to $50 million
Volunteer Participant Accident Insurance For Faith-Based Orgs.
Administered By: AIG
Distribution: Direct/Broker
| Industries: |
Churches/Religious Institutions/Organizations |
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Carriers: AIG
Coverage: Accident & Health, Accidental Death & Dismemberment, Excess, Umbrella/Excess
Limits: up to $50 million
Active Shooter Insurance Program
Administered By: GDP Advisors
Distribution: Program Administrator
| Industries: |
Churches/Religious Institutions/Organizations, Colleges & Universities, Education & Nonprofit, Private/Charter Schools, Public Entities, Schools, Sports Facilities |
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Carriers: Lloyd's of London
Coverage: Violent Event Coverage
Limits: $1 million - $20 million
Business Insurance Coverge
Administered By: Selective
Distribution: Carrier Direct
| Industries: |
Accountants & Accounting Services, Answering Services, Auto Service and Repair, Auto/Car Dealerships, Bowling Centers, Churches/Religious Institutions/Organizations, Equipment Dealers, Home Healthcare, Retail, Small Businesses |
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Carriers: Selective Insurance Group Inc.
Coverage: Abuse & Molestation Liability, Business Income/Extra Expense, Business Owners Policy (BOP), Commercial Auto, Crime, Data Security, E&O, Fidelity, Flood, General Liability, Inland Marine, Management Liability, Product Recall, Property, Surety, Umbrella/Excess, Workers' Compensation
Limits: Call for - Limits
Church Insurance
Administered By: Gateway Specialty Insurance
Distribution: Direct/Broker
| Industries: |
Churches/Religious Institutions/Organizations, Directors & Officers (D&O), Nonprofit Organizations |
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Carriers: Chubb Group of Insurance Cos., United States Liability Ins. Co. (USLI)
Coverage: Directors & Officers (D&O), Employment Practices Liability (EPL), Fine Arts, General Liability, Hired & Non-Owned Auto, Professional Liability, Property
Limits: up to $300,000 (Abuse or Molestation ), up to $5 Million (Director/Officer and Employment Practice Liability ), up to $5 Million (Property TIV), up to $1 million/$2 Million (General Liability)
Church Multi-Peril Policy
Administered By: Church Mutual Insurance Co
Distribution: Carrier Direct
| Industries: |
Churches/Religious Institutions/Organizations |
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Carriers: Church Mutual Insurance Co
Coverage: Commercial Property, Crime, General Liability, Hired & Non-Owned Auto, Inland Marine, Professional Liability
Limits: