Hurricane Isaias:
If you were impacted by the storm, here's
key recovery considerations for the days and weeks aheadEffective Date: 9/1/2024 | Last Revision Date: 12/11/2025
Privacy notice for California Consumers
We do not disclose any nonpublic personal information about our individual policyholders or claimants to any affiliate or any nonaffiliated third party other than those permitted by law and only for the purpose of transacting the business of your insurance coverage or your claim. We do not sell any customer or policyholder information to mailing list companies or mass marketing companies. We treat our policyholder information as confidential.
Some states have enacted legislation that regulates the use of nonpublic information maintained by financial service institutions and insurance carriers on their customers who are insured with them. In the interest of providing you with an affirmation of our commitment to maintaining the privacy of customer and claimant information, we have prepared the following Privacy Practices Disclosure Notice. Please take time to review the information, as it is relevant to our business partnership with you.
This Privacy Practices Disclosure Notice outlines the privacy practices of Church Mutual Insurance Company, S.I. listed below:
This Privacy Practices Disclosure Notice will notify you of:
If you have questions or concerns regarding this Privacy Practices Disclosure Notice, you should contact Church Mutual by sending an email to ethics@churchmutual.com or by writing to us at:
Sandra M. Woller
Assistant Vice President - Chief Compliance Officer
Church Mutual Insurance Company, S.I.
3000 Schuster Lane
P.O. Box 357
Merrill, WI 54452-0357
We do not disclose any nonpublic personal information about our individual policyholders or claimants to any affiliate or any nonaffiliated third party other than those permitted by law and only for the purpose of transacting the business of insurance coverage or claims for our policyholders. We do not sell any customer or policyholder information to mailing list companies or mass marketing companies. We treat our policyholder information as confidential.
At Church Mutual, we will:
Church Mutual wants you to conduct business with us knowing that we protect personal information. Church Mutual collects personally identifiable information from you or from third parties about you or about participants, beneficiaries or claimants under your insurance coverage as a part of the insurance application, underwriting, claims, administration and servicing process.
We collect nonpublic personal information from the following sources:
Certain information using technologies such as cookies, and other data collection tools, when you visit our website and interact with our Portal.
The information Church Mutual collects is used to provide policy and premium quotes, process underwriting applications, administer claims and answer questions or concerns about our insurance products and services. We also use the information for account administration reporting, investigating, or preventing fraud or material misrepresentation processing premium billing payments processing and defending insurance claims administering insurance benefits (including utilization review activities) and as otherwise required or permitted by federal or state law.
Church Mutual maintains paper copies or electronic archives of the information provided by you or by a third party for policy quoting for processing and administering your application or claims made under your policy and for improving our products and services. This information is kept internal to Church Mutual, except when needed to verify the information provided, to service your policy or claim as required or permitted by law. The information is not available to the general public. Church Mutual retains the information collected when a claim is filed under your policy for as long as required by law or regulation or as long as the claim is open and thereafter for a period set by the appropriate underwriting or claims records retention policies of Church Mutual.
We may use information collected through cookies and other data collection tools for the following reasons:
We do not disclose nonpublic personal information about you or about participants, beneficiaries or claimants under your insurance policy to anyone, except as permitted by law. We may share information about you or about participants, beneficiaries or claimants under your policy in the normal business of conducting insurance operations, such as providing you with an insurance quote or processing, servicing and administering your insurance policy and your claims.
Even without your authorization, once you become a Church Mutual customer or claimant, we are permitted by law to share information about you to entities, such as:
We also are permitted by law to disclose the following information to companies that perform marketing services on our behalf or with whom we have joint marketing agreements, including:
Information obtained using technologies such as cookies, and other data collection tools,We do not sell any customer or policyholder information to mailing list companies or mass marketing companies. We treat our policyholder information as confidential.
We restrict access to nonpublic personal information about you or about participants, beneficiaries and claimants under your insurance policy to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with state and federal regulations to guard your nonpublic personal information.
Church Mutual also uses a wide variety of data protection procedures and computer hardware and software tools to guard system and data privacy and integrity. Church Mutual's computer systems also are protected by additional measures, such as encrypted data transmissions, network routers and firewalls intended to prevent unauthorized access.
Every time you come to our website or Portal information may be automatically collected, including, in some instances, personal information, through cookies and other data collection tools.
Our website also uses a bot, similar to a virtual assistant.
You may request access to certain information about you that we have in our records. To request access, please send us a written request. Be sure to reasonably describe the information you want. If you believe that your information is incomplete or inaccurate, you may request that we make changes. Please send any of the requests listed above in writing to:
Chief Compliance Officer
Church Mutual Insurance Company, S.I.
3000 Schuster Lane
P.O. Box 357
Merrill, WI 54452-0357
If you request corrections, additions or deletions, we will either make the changes that you request or notify you why we will not do so. If we decline your request, in some states you may have the right to file a concise statement with us about the dispute.
The rights in this section do not apply in certain cases, such as information related to litigation.
We reserve the right to change our privacy practices in the future, which may include sharing nonpublic personal information about you with nonaffiliated third parties. Before we do that, we will provide you with a revised Privacy Practices Disclosure Notice and give you the opportunity to opt out of that type of information sharing.
Effective Date: 9/1/2024 | Last Revision Date: 12/11/2025
Church Mutual means Church Mutual Insurance Company, S.I. and its affiliates and subsidiaries.
Coverages and Services: This website contains only a general description of coverages and does not include all the benefits and limitations found in our policies. The insurance policy, not general descriptions in this website, will form the contract between the insured and the insurance company. The precise coverage afforded by any insurer is subject to the terms and conditions of the policies as issued. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the underwriting company providing such products or services. Some products or services presented herein may not be available for sale in all jurisdictions. The precise coverage afforded by any insurer is subject to the terms and conditions of the policies as issued. None of the information contained on this website should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to learn what products Church Mutual generally offered. Church Mutual may make improvements and/or changes in the products, services and/or programs described on the Website at any time without notice.
This website does not make any representations that coverage does or does not exist for any particular claim or loss, or the type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.
The information and suggestions in this website are presented as a guide. No results are guaranteed, and no liability is assumed as to the information or safety suggestions presented. No assumption can be made that every acceptable safety procedure is stated. Abnormal, unusual or particular circumstances may require different or additional procedures.
On certain pages of the website, Church Mutual's chat service may be engaged with. Church Mutual's chat service is intended solely for informational purposes and is not designed to recommend the purchase of an insurance product. Any insurance decision made by you is your sole responsibility. All of the information shared with the chat service may be recorded, is subject to retention and monitoring policies of Church Mutual and may be shared with a third party as outlined in our Privacy Policy. Church Mutual makes no warranty that the chat service will be available at any particular time and makes no guarantee about the accuracy of responses.
The chat service shall not be used to send any abusive, defamatory, dishonest, or obscene message, and doing so may result in termination of the chat service session.
Church Mutual maintains exclusive ownership rights in certain trade names, taglines, slogans, logos and other items of intellectual property including, but not limited to, Church Mutual®, Protecting the Greater Good®, Women's Leadership Initiative™, CM Group™, Church Mutual Premier®, CM CARES®, BeSure®, CM Wildfire Solutions™, CM Sensor®, Stay Smart, Take Action®, and all logos and graphics utilizing these terms and the Church Mutual name.
All logos, text, content, including underlying HTML code, designs, and graphics used and/or depicted in this Internet website are protected under United States and international copyright and trademark laws and treaties, and may not be used or reproduced without the prior express written permission of Church Mutual.
No waiver of any intellectual property rights that Church Mutual has in any of its trademarks, service marks, names, logos or products is express or implied if mark, name or logo is not present on this page.
If ideas or materials are submitted to Church Mutual , related to marketing, advertising, promotions, contests, products, services, devices, processes, trademarks, logos, artwork, music, photos, or videos, the individual submitting such ideas or materials grants Church Mutual a perpetual, irrevocable, world-wide, royalty-free right and license to use, modify, publish, disclose, or exploit the submitted idea.
This website contains links to third-party websites and services that are not owned or controlled by Church Mutual. We have no control over and assume no responsibility for, the content, services or products offered/provided, privacy policies, or practices of any third-party websites. By using this website or our Portal you acknowledge and agree that Church Mutual shall not be liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with or reliance on any such content, goods, or services available on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of all third-party websites and services/products that you visit or obtain from these third party websites/providers.
The content of this site may be downloaded for personal use only, unless otherwise indicated, or unless prior written permission is obtained from Church Mutual.
Church Mutual makes reasonable efforts to provide a website free from malicious software that may be damaging. Church Mutual does not make any express or implied warranties or representations in this regard.
Church Mutual has placed information on this website as a service to its customers. Although care has been taken to ensure the accuracy, completeness and reliability of the information provided, Church Mutual assumes no responsibility. While the information on this site may reference to legal issues, it is not intended as legal advice or as a substitute for the particularized advice of your own counsel. Anyone seeking specific legal advice or assistance should retain an attorney.
The user of the information agrees that the information is subject to change without notice. Church Mutual assumes no responsibility for the consequences of use of such information, nor for any infringement of third party intellectual property rights which may result from its use. IN NO EVENT SHALL CHURCH MUTUAL BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL OR INCIDENTAL DAMAGE RESULTING FROM, ARISING OUT OF, OR IN CONNECTION WITH THE USE OF THIS INFORMATION.
Church Mutual does not make any express or implied warranties or representations regarding the dissemination of information conveyed over the Internet.
If users send email messages to Church Mutual, they are advised that such messages may be accessed by others using the Internet. Confidential information should not be sent via email. All legal disclosures and disclaimers contained on this website apply to email communications from Church Mutual and its employees, representatives, and agents. Email communications do not alter, expand, or replace the terms of your insurance policy. Coverage and all rights and obligations are determined solely by the applicable insurance policy as issued. No email or informal communication may be relied upon to create coverage, modify policy terms, or bind Church Mutual in any way.
Some Church Mutual websites require a User ID and password in order to access Church Mutual's online policyholder or broker services. Unauthorized use of such sites is strictly prohibited.
Use of this website shall be governed by and construed in accordance with the laws of the State of Wisconsin without giving effect to any principles of conflicts of laws.
Effective January 1, 2020, Church Mutual Insurance Company, S.I. (a stock insurer) (“Church Mutual”) reorganized under Wisconsin law from a mutual insurance company to a stock insurance company with a mutual holding company system. Through the restructuring, all of Church Mutual’s stock was issued to and is owned by Church Mutual Holding Company, Inc. (CMHC). All policyholders of Church Mutual automatically became members of the CMHC and all future Church Mutual policyholders will also automatically become members of the CMHC as long as they have a current policy with Church Mutual.
As a result of the restructuring, Church Mutual updated its name from Church Mutual Insurance Company to Church Mutual Insurance Company, S.I. (a stock insurer) and also updated its policies to reflect the change from a mutual insurer to a stock insurer within a mutual holding company system. The board members of Church Mutual are also board members of the CMHC.
Under the new mutual holding company structure, as a policyholder of Church Mutual, you will become a member of the CMHC and you will be entitled to vote, either in person or by proxy, on each issue that comes before meetings of the members. You will be also to cast only one vote regardless of the number of policies you purchase.
More information on the Annual Meeting of the Members will be sent closer to each Annual Meeting of the Members.
Church Mutual Insurance Company, S.I., 3000 Schuster Lane, Merrill, Wisconsin 54452, is licensed in all 50 states and the District of Columbia. Our Certificate of Authority number from the National Association of Insurance Commissioners (NAIC) is 18767.
Church Mutual's California Certificate of Authority number is 2867-0.
