Senior Living Communities Insurance

Church Mutual insures assisted living communities, retirement centers and apartments for the elderly.

Church Mutual has been insuring senior living communities for nearly 40 years. We understand the unique demands you face every day and we understand your insurance needs.

Strong presence in religious market led Church Mutual to senior living communities.

We started in the insurance business in 1897 as one of the first insurers of religious organizations. Today, Church Mutual is the largest insurer of worship centers and related institutions in the United States. Our strong presence in the religious market led us into the senior living market in the 1970s.

Recent focus on senior living communities.

In 1998, Church Mutual rededicated and reorganized its efforts to better serve senior living communities; specifically assisted living communities, retirement centers and apartments for the elderly. Within this market, we insure religious and other not-for-profit and for-profit communities.

Specialized staff and coverages.

We formed a specialty team that includes loss control support from property experts, underwriting and sales and service personnel. New property and liability coverage forms were developed for assisted living communities and retirement homes.

Serving senior living communities in 43 states.

We offer our special program to senior living communities in all states except Alaska, Arkansas, Florida, Hawaii, Louisiana, Mississippi and Oklahoma.

Eight reasons why Church Mutual might be a good choice for you.

Personal service. You'll receive personal service from specialized insurance professionals who are supported by knowledgeable customer service experts. Find your agent.

Comprehensive and specialized coverage. We offer property, general liability, sexual molestation/misconduct liability, professional liability, employment practices liability, employee benefits liability, workers' compensation, auto and umbrella liability insurance. The property and liability coverages are designed specifically for the exposures of assisted living communities and apartments for seniors. More coverage detail.

Loss control services. Our representatives will work with you to help reduce your chances of property damage, general and professional liability claims and employee injuries.

Church Mutual publishes Risk Reporter, a quarterly risk management newsletter. You can view and print all issues online or subscribe to receive your copy by traditional mail.

We also offer a host of other risk management videos, booklets and posters. Customers can view much of this material online or order online for delivery by traditional mail.

Fast and fair claims settlement. Church Mutual never forgets the significance of your trust in us. We are here to do only one thing, and do it well: to serve you.

Online claims reporting. Although most customers prefer to report claims to one of our claims service representatives by phone, we do offer an online option. It's easy and convenient, and you can report claims any time of day or night. More about online claims reporting.

Low-cost payment plans. Low-cost payment plans are available in most states.

Financial strength. Church Mutual backs its coverage with an enviable record of financial stability. A.M. Best Company has awarded Church Mutual a rating of A (Excellent). More financial information.

No-cost, no-obligation insurance needs analysis and proposal of coverage. A Church Mutual representative will personally visit your community to measure buildings, learn about your ministry's activities, and identify risks. He or she will establish values for your buildings based on current construction costs to help ensure that you're adequately covered. To request this service or for more information, follow this link or call (800) 554-2642 and select telephone menu "Option 1." Or, click here to view our agent directory.

Coverage references on this website are for illustrative purposes only and do not represent a policy contract. Refer to your Church Mutual insurance policies for complete descriptions of coverages, limitations and exclusions. Some coverages may not be available in all states.

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Church Mutual Insurance Company
P.O. Box 357 | 3000 Schuster Lane | Merrill, WI 54452-0357
Telephone (800) 554-2642 or (715) 536-5577

© 2019 Church Mutual Insurance Company. All rights reserved. Protecting the Greater Good is a registered trademark of Church Mutual Insurance Company.