About Insurance Board

Insurance Board is a nonprofit corporation established by the participating Conferences of the United Church of Christ.

Who We Are

Insurance Board administers property insurance for churches and church liability insurance programs serving churches and related entities within the United Church of Christ, the Christian Church (Disciples of Christ), Presbyterian Church (USA), Reformed Church in America, Evangelical Lutheran Church in America, and the Alliance of Baptists.

Our Mission

To connect faith-based institutions to comprehensive and customized risk and insurance management solutions anchored in shared trust and sacred responsibility.

Our Vision

To protect our participants from the financial consequences of unexpected loss.

Our Values

Choosing to be bound together in mutual care and concern we will maintain:

Integrity

Excellence

Exceptional Customer Service

Open Communication

Inclusiveness

Insurance Board writes property insurance and liability insurance for churches in all 50 states utilizing an independent distribution system that is conducive to our mission.

We are recognized by Presbyterian Church (U.S.A.) Office of Risk Management Services as one of only three insurance companies that meet their guidelines for their churches.

We are a recognized financial ministry of the United Church of Christ.

We are a Recognized Ministry Partner of the Christian Church (Disciples of Christ).

From Humble Beginnings to Growing Impact: A Brief History

  • 1979
  • 1981
  • 1991
  • 2002
  • 2009
  • 2018
  • TODAY
  • 1979

    A local church trustee and entrepreneur in Northern California felt that churches could improve insurance costs and improve services by forming group policies. The money saved by the churches could be put toward mission opportunities.

  • 1981

    A group church insurance program was established in Northern California. Within a year, six western conferences had joined. Insurance Board now is governed by the 38 UCC conferences. We serve churches and related ministries in all 50 states by providing church property insurance and church liability insurance as well as coverages that protect the governing bodies within the denominations we serve and their related ministries.

  • 1991

    The Christian Church (Disciples of Christ) joined the program, which was endorsed by the Executive Committee of the Conference of Regional Ministers and Moderators. Insurance Board is now a Recognized Ministry Partner of the Disciples of Christ.

  • 2002

    January 1, 2002, marked the beginning of the United Church Insurance Company, a nonprofit captive insurance company subsidiary of the Insurance Board – designed to take advantage of new opportunities for insuring church-related organizations such as retirement housing and educational institutions.

  • 2009

    The Board of Directors approved the Presbyterian Church (USA) as another denomination it serves. In 2016, the Board approved the Alliance of Baptists. Churches and related ministries of the Presbyterian Church (USA) and Alliance of Baptists can now enjoy the full benefits of a faith-based insurance program run by church people for church people. The Insurance Board is recognized by the Presbyterian Mission Agency as one of only three insurance programs that meet their strict standards.

  • 2018

    In late 2018, the Board of Directors approved Insurance Board to begin offering church property insurance and church liability insurance to interested congregations and affiliated ministries within the Evangelical Lutheran Church in America (ELCA), and the Reformed Church in America (RCA) denominations.

  • TODAY

    Currently, more than 4,200 church organizations participate in our program, with a combined value of more than $18 billion in assets covered – and these numbers continue to grow. We are church people who want to provide the best church property insurance and church liability insurance available.

Our Agent Cindy was helpful with the process we went through in updating our policies. We were able to discuss ideas with her for our new facility use agreement and get her feedback based on her knowledge. We also had the opportunity recently to meet her in person at the Southeast Conference meeting.

- Lee M Fadeley

Council Moderator, Pilgrimage United Church of Christ, Marietta, Georgia

Thanks for another enlightening and refreshing experience! Our Personnel Ministry Team, Staff, and others have been provided with summaries and links with strong suggestions to explore your Safety Solutions. Many thanks for helping us to do the right things for the right reasons!

- Jim Nothoff

First Presbyterian Church, Elk Rapids, MI

When a wind storm that preceded Hurricane Irene brought down power lines, I placed a call to the Insurance Board. Within days an estimate from the company that services our heating and A/C systems was accepted, approval to make the necessary repairs and install replacement parts was given, and a check to cover the cost arrived in the mail. I was amazed by the response time and cannot say enough about the concern and courtesy of the staff. You can be sure that I will tell this story to others and praise the work of our denomination’s Insurance Board. Thank you for your service to us!

- Rev. Martha B. Kriebel

Trinity Reformed Church, Collegeville, PA

From the initial notification of roof damage online, timely appointments to evaluate the damage all went well. Temporary roof repairs were authorized and the adjuster and roofer communicated to ensure all damage was covered. Roofing replacement will not start until warmer weather but the interior repair will start immediately.

The first payment has been received and we are expecting all to go well until the roof is completely repaired and final payment is received. All Insurance Board employees, Insurance Adjusters, Insurance Agent employees have been most helpful.

Immanuel

United Church of Christ, Louisville, KY

I have enjoyed working with you on this project. You have been very professional, communicative, and forthright in your interaction with our church, and while this certainly has been a trying event for us, your skills and knowledge have made it easier for the Church to collect the proper funds due under the provisions of our insurance policy. All of us here thank you for your efforts. This actually has been a very positive experience for us after the horrible experience of the fire. The church building is in great shape after the restoration, and we have upgraded the building now to meet the modern building code.

- Bill Brown

Ex-project Manager & Current Trustee, Carversville Christian Church, UCC

Various online resources have been helpful, many of which we have received from our IB Agent. Over the last 14 months we have utilized over a dozen resources like the Loss Control manual, the self-inspection checklist for ministries and the Financial Controls & Best Practices that have helped us with financial internal controls. Our Chair of Communications is developing a central electronic document storage site for our Council Members to reference the digital repository of documents, videos and information from your site, which has been helpful.

- Lee M Fadeley

Council Moderator, Pilgrimage United Church of Christ, Marietta, Georgia

We were well supported by the Insurance Board representative and were pleased with how this all worked out despite unusual circumstances of a major water incident during the pandemic, disruption to the supply chain and the inability to get the parts needed for repairs and replacement.

- Robin Carter

Woodfords Congregation Church

We couldn’t be happier with the responsiveness of Insurance Board. They were incredibly easy to work with from the start. We built trust and while you can’t rebuild history, we were pleased that with the help of Insurance Board Representatives, we were able to rebuild our church to look as much like the original as possible.

- Lee Borders

First Presbyterian Church Wetumpka

When a recent tornado touched down slightly on our church property, we were very grateful that none of our buildings received any damage. However, we had extensive damage to our outdoor garden sanctuary, our playground had been swept away and several very large trees were blocking our hilltop drive.

But the Insurance Board came through for us in a big way. We contacted our agent and were immediately assured that our claim would be handled without delay. Sure enough, the reimbursement check arrived within the month and we were able to repair the damage. We are certain that no other carrier would have covered our claim so completely.

Together we are better!

- Rev. Margaret Philip, Pastor

St. Thomas UCC in Chesterfield, MO

Our church, established in 1723, serves a community of about 550 members. Our current facility, originally built in the 1760s, has been expanded over the years, with the most recent addition completed in 1998. Our experience with the IB sensors has been excellent – no complaints at all. I wholeheartedly recommend that other churches consider joining the program.
- Skip Burnett

First Congregational Church of Shrewsbury

Frequently Asked Questions

Who Is Eligible to Participate?

Insurance Board offers property insurance and liability insurance to churches and related ministries that are affiliated with the United Church of Christ, the Christian Church (Disciples of Christ), Alliance of Baptists, Presbyterian Church (USA), Reformed Church in America, and Evangelical Lutheran Church in America.

How Do I Obtain a Policy?

Visit our Find An Agent page to find an Insurance Board local agent with the expertise and qualifications to address the specific risk management challenges your church may encounter

How Can I Pay My Policy Premium?

Package policy payments can be made in convenient quarterly payments.

We have an online payment center with email reminders and automatic payment options. Make a Payment

You can also mail in payments with your policy number to our PO Box at:
Insurance Board
PO Box 951382
Cleveland, OH 44193-0011

Workers’ Compensation and Automobile policies are paid directly to the carrier in convenient quarterly or monthly installments.

What Coverage Types Are Provided?

The United Church of Christ Insurance Board coverage addresses the specific and all-encompassing needs of churches. Specific areas include:

  • Automobile / Vehicle
  • Church Property
  • Directors & Officers Liability, Cyber Security, and Employment Practices Liability
  • Fraud and Employee Dishonesty Liability
  • General Liability
  • Professional/Sexual Misconduct
  • Tenants & Users Liability
  • Umbrella Liability
  • Workers’ Compensation

Represented by Highly-Qualified Group of Church & Laity

Our Board Members

Our 21-member elected Board of Directors consists of a diverse group of leaders who bring unique perspectives and extensive experience to Insurance Board. Representing various denominations, these leaders have made significant contributions to their communities and the broader faith landscape, offering invaluable insights and guidance in navigating Insurance Board’s mission.

Board of Directors

Insurance Board Staff

Insurance Board staff members diligently manage every aspect of our group insurance programs, offering their expertise and guidance as your trusted resource and partner in your church’s mission.

Our Staff

Annual Reports

Insurance Board’s annual report highlights key achievements, updates, and growth from the past year, along with future goals, reinforcing our commitment to excellence and innovation in an evolving industry landscape.

Download the 2023 Annual Report