There’s a Calm Path Through This

You’ve been hearing a lot about church insurance. Some of it’s noise. Some of it’s real. Whatever your situation, there’s a path forward – and it starts with knowing where you stand.
Begin Early Review

View Church Insurance Market Intelligence

Currently serving congregations across multiple ELCA synods in Minnesota and Wisconsin.

Already Saw a Jump

Did your premiums spike in the last 1-2 years? Were you told it’s ‘industry-wide’? You may be overpaying right now – even if you just switched. It’s worth checking.
Find Out If You Got Caught 

Hearing Rates Might Go Up 

Hearing your rates might increase? Some of what you’re hearing is true. Some isn’t. Only 2-3 carriers are in distress – others remain stable and competitive.
Learn What’s Actually True 

Renewal Coming Up 

Processing takes 60-120 days depending on your situation. Starting at 90 days gives you margin. Starting later means fewer options.
Start Your Early Review 

Just Want Clarity 

We maintain a public Market Intelligence Center with AM Best ratings, court findings, and carrier-specific information. See for yourself.
View Market Intelligence 

Got a Quote That Feels High 

Other carriers are quoting high right now, betting you won’t shop. Multiple carriers competing changes outcomes.
Get a Comparison 

Renewal Timing Has Changed 

Processing takes 60-120 days. That’s the range – fastest to most complex. Starting at 90 days gives you margin either way. You won’t know where you fall until we see your details.

Timing is no longer administrative. It is strategic stewardship.

Begin Early Review

Multiple Carriers. They Compete. You Win.

“Most church insurance relationships work like this: one agent, one or two carriers, limited options. Carriers know this. They count on inertia. Rates creep up.

We work differently. 

We submit complete applications to a pool of carriers who specialize in church coverage. All of them see your church. All of them compete.

These carriers know we shop every renewal. That changes their behavior.

Complete submissions receive priority treatment from underwriters whose plates are full. We’ve structured our intake so your church presents as prepared, organized, and ready – giving you priority positioning with every carrier we approach.

Testimonials

Church of the Cross

We were traveling in Europe when our renewal came up. Crex made it so simple we handled everything from the cruise ship. Our premium went from $83,603 to $22,352 with improved coverage.

Immanuel Lutheran Church

Crex helped us find better coverage and got a portion of our worker's comp premium back. Those savings went straight into youth ministry and a mission trip to Puerto Rico.

Luther Memorial Church

We trusted our old agent, but they never mentioned we could get half our worker's comp back every year. Crex brought it to us.

This Questionnaire Does Two Things

  • It clarifies your situation. 
Whether you’re approaching renewal, already overpaying, or just want verification – we’ll know where you stand and what options exist. 
  • It positions you for competition. 

Complete submissions go to the top of the pile. We’ve structured this intake so your church presents as prepared and ready to every carrier we approach. 

Whatever brought you here, this is the path forward.

Church Insurance Intake Questionnaire

Answer what you can. Flag what you’re not sure about. We’ll sort it out together.

Download The Form

    General Church Information

    Typically completed by: Treasurer / Church Administrator

    1. Legal Name of Church

    2. Primary Contact Name:

    Phone:

    Email:

    3. Church Employer Identification Number (EIN):

    How Do I Find This?
    Your 9-digit Employer Identification Number. Found on your IRS determination letter, W-9, or previous tax filings. Your bookkeeper or accountant will have it.

    4. Year Church Was Built:

    How Do I Find This?
    The original construction year, not the year your congregation was founded. If major additions were built later, enter the original structure year here.

    5. Total Square Footage of All Buildings:

    Sq Ft

    How Do I Find This?
    Include all buildings on the property — sanctuary, fellowship hall, offices, education wings, parsonage if church-owned. Your county assessor's website typically has this information. Search by your church address.

    6. Construction Style / Primary Exterior Material:

    How Do I Find This?
    Examples: wood frame, brick, stone, metal, concrete block. This is the primary exterior material, not interior finishes.

    7. Does the church operate a:

    School?

    Preschool?

    Daycare?

    How Do I Find This?
    Answer yes even if operated by a separate board or ministry that uses your building.

    People and Staffing

    Typically completed by: Church Secretary / Office Manager

    8. Number of Members:

    9. Number of Full-Time Employees:

    10. Number of Part-Time Employees:

    11. Number of Volunteers:

    How Do I Find This?
    Estimate is fine. Include regular weekly volunteers, not one-time event helpers.

    12. Number of Board Members:

    13. Number of Pastors:

    Building Systems and Safety

    Typically completed by: Facilities Manager / Building Committee

    14. Year Roof Was Last Replaced:

    - Material Used (e.g., asphalt shingles):

    How Do I Find This?
    Check with your facilities manager or building committee. Capital campaign records or past board minutes often include this. If the roof is original, enter the year the building was constructed.

    15. Year Electrical System Was Last Updated:

    How Do I Find This?
    Check with your facilities manager or building committee. If a major renovation was done, the electrical update is usually part of it. If the system is original, enter the year the building was constructed.

    16. Year Plumbing Was Last Updated:

    How Do I Find This?
    Same approach as electrical. Check renovation records or ask your facilities person. If original, enter the year the building was constructed.

    17. Is the building sprinklered?

    18. Is there a central alarm system installed?

    19. Are deep fryers, open-flame cooking, or flat-top grills used on premises?

    How Do I Find This?
    Includes church kitchens, outdoor cookouts, and fundraiser events — not just daily use.

    Are chemical fire suppression systems and venting in place?

    How Do I Find This?
    These are hood-mounted systems above cooking equipment, not standard fire extinguishers.

    20. Are there any additional buildings or structures that need to be covered under this policy?

    -If yes, please list and describe them:

    How Do I Find This?
    Parsonage, storage buildings, detached fellowship halls, garages, pavilions, signage structures.

    Cemetery (If Applicable)

    Typically completed by: Cemetery Board / Church Administrator

    21. Does the church manage a cemetery?

    -Number of Acres:

    -Number of Interments:

    How Do I Find This?
    Interments means total burial plots used to date, not annual. Acreage can be estimated.

    Activities and Risk Factors

    Typically completed by: Pastor / Board Chair

    22. Does the church conduct mission trips outside the U.S.?

    23. Are counseling services provided by church staff or volunteers?

    How Do I Find This?
    Includes pastoral counseling, grief counseling, marriage counseling — whether formal or informal, paid or volunteer.

    24. Is abuse/molestation liability coverage required?

    How Do I Find This?
    Most carriers require this. If you're unsure, answer yes.

    25. Have there been any prior insurance claims?

    -Please list year(s) and brief explanation:

    How Do I Find This?
    Include any claims filed in the last 5 years, even if denied or minor.

    Financial and Insurance Details

    Typically completed by: Treasurer / Bookkeeper

    26. Total Annual Income From All Operations: $

    How Do I Find This?
    All sources — tithes, offerings, rental income, fundraisers, grants. Found on your annual financial report or most recent tax filing.

    27. Current Insurance Information:

    The fastest way to provide your current coverage details is through a secure, read-only lookup of your carrier's system. This pulls your actual policy information — coverages, limits, deductibles, and endorsements — so competing carriers are working from real numbers, not estimates.

    This connection is powered by Canopy Connect, an independent insurance verification platform used by over 10,000 agencies nationwide. Canopy Connect is SOC II certified with bank-grade encryption. Your credentials stay with Canopy — they are never shared with or visible to Crex.
    What this does:
    "Retrieves your current policy details — the same information that appears on your declarations page. Your declarations page is the summary document that lists every coverage on your policy, your limits, deductibles, premium, policy number, and effective dates. It's usually the first page or two of your policy."

    What this does not do:
    "It does not make changes to your policy. It does not generate a cancellation. It does not trigger a notice to your carrier. Your current agent is not contacted or alerted. Your login credentials are never shared with or visible to Crex. Your connection is encrypted end-to-end."

    "This is the digital equivalent of pulling your dec page out of a file drawer and making a copy. The only difference is accuracy — it pulls the current version directly, so nothing is outdated or missing."


    Connect My Insurance Information

    Powered by Canopy Connect. SOC II certified. Your credentials are never shared with Crex. This does not notify your current agent or carrier.

    Option 1 — Upload:

    Don't have portal access? That's common — especially after staff changes.

    Upload your declarations page — this is the summary page of your policy, usually the first page or two. It lists your coverages, limits, deductibles, and premium.

    Premium amounts or internal notes may be redacted if preferred. Coverage details matter most.

    Option 2 — Continue without:

    "we'll work with what you've provided and follow up only if clarification is needed."

    28. Is cyber liability coverage needed?

    How Do I Find This?
    If your church accepts online donations, stores member contact information, manages email lists, or uses any cloud-based systems, the answer is likely yes. Cyber liability covers data breaches, ransomware, and compromised financial information — risks that apply to churches of all sizes.

    Most Churches Are Told Too Late

    • There’s a calm path through this
    • Whatever your situation
    • Multiple carriers competing
    • Find out where you stand
    • You don’t have to accept what you’ve been told

    The urgency isn’t “act before it’s too late.” The urgency is “you may already be overpaying” AND “the earlier you start, the more options you have

    Begin a Private Early Review 

    This review helps confirm whether your current placement remains strong and gives you clarity early enough to act if needed. 

    Begin Early Review

    “This review does not notify your current agent or carrier.”

    Facebook Instagram Youtube

    © 2026 Crex Insurance Agency. All rights reserved.