Crex Insurance Agency  ·  Your Protection Simplified

The same dollar, doing more.

Insurance is one of the few places a church can free up real money for ministry without cutting a single thing it already does. The ones we work with found out how much.

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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.

A church premium statement beside a calculator, the increase circled

01

Already Saw a Jump

Did your premiums spike in the last year or two? Were you told it's "industry-wide"? You may be overpaying right now, even if you just switched. It's worth checking.

See Where You Stand
A church office desk with market news and rating reports laid out

02

Hearing Rates Might Go Up

Some of what you're hearing is true. Some isn't. A few carriers are under real pressure; many others writing church business remain strong, stable, and competitive.

Learn What's Actually True
A desk calendar with a renewal deadline circled and a 120 days note

03

Renewal Coming Up

Processing takes 60 to 120 days depending on your situation. Starting early gives carriers time to read your church carefully and gives you margin. Starting late means fewer options.

Start Your Early Review
Sourced carrier ratings and reports spread on a table in clear view

04

Just Want Clarity

We maintain a public Market Intelligence Center with AM Best ratings, rating actions, and sourced news coverage. Information, not argument. See for yourself.

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A single insurance quote on a desk, waiting to be compared

05

Got a Quote That Feels High

Some carriers are quoting high right now, betting you won't shop. Multiple carriers competing changes outcomes.

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How We Work

Multiple Carriers. They Compete. You Win.

One questionnaire. Every carrier in the pool quotes from it.

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.

What that looks like in practice: at a recent renewal we put one congregation in front of the pool. Some carriers quoted. Others passed, one on price alone, and that carrier is often the strongest home for older, established churches. When its appetite swings back, that is a new conversation. We run this at every renewal, for every church we handle, whether or not anything changed that year. Appetites move. The pool catches it.

Part of a Group?

When a denomination's churches insure together, every member church can pick up added property coverage at no charge, and the denomination itself can receive money back to ministry each year. Whether yours is set up for that is a question for your headquarters.

Group Programs

In Their Words

Churches That Checked

"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."

Church of the Cross

"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."

Immanuel Lutheran 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."

Luther Memorial Church

Begin a Private Early Review

The urgency isn't "act before it's too late." It's that you may already be overpaying, and the earlier you start, the more options you have. 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.

The Early Review

Why This Questionnaire Matters

Crex works from a pool of carriers that specialize in church insurance, many with very different underwriting appetites from one another. This questionnaire covers all of them in one pass. Answer it once, thoroughly, and we walk your church into every one of those carriers already prepared, in the language each carrier reads in. That's how a church ends up with carriers competing for the account.

The same questionnaire serves a single congregation or a group of churches insured together through a denomination or association. The detail you provide here is the work. We do the rest.

Answer it once. The whole pool quotes from it.

Your 9-digit Employer Identification Number. Found on your IRS determination letter, W-9, or previous tax filings. Not sure? Request help

The original construction year, not the year your congregation was founded.

Include all buildings on the property: sanctuary, fellowship hall, offices, education wings, parsonage if church-owned. Not sure? Request help

Examples: wood frame, brick, stone, metal, concrete block.

Monthly on the second Tuesday, quarterly, as needed. Whatever the rhythm is.

School?
Preschool?
Daycare?

Answer yes even if operated by a separate board or ministry that uses your building.

Estimate is fine. Include regular weekly volunteers, not one-time event helpers.

Nurses, parish nurses, or other medical staff on payroll or volunteering in that role.

Check with your facilities manager or building committee. Capital campaign records or past board minutes often include this. Not sure? Request help

If a major renovation was done, the electrical update is usually part of it.

Same approach as electrical. Check renovation records or ask your facilities person.

Includes church kitchens, outdoor cookouts, and fundraiser events, not just daily use.

These are hood-mounted systems above cooking equipment, not standard fire extinguishers.

Parsonage, storage buildings, detached fellowship halls, garages, pavilions, signage structures.

Sound systems, pianos, kitchen equipment, vehicles, historic artifacts.

Interments means total burial plots used to date, not annual. Acreage can be estimated.

Includes pastoral counseling, grief counseling, marriage counseling, whether formal or informal, paid or volunteer.

Include any claims filed in the last 5 years, even if denied or minor.

Most carriers require this. If you're unsure, answer yes.

Please email a copy to steve@crexchurch.com. Carriers weigh a written abuse policy heavily, and several will not quote abuse coverage without one.

If your church accepts online donations, stores member contact information, manages email lists, or uses any cloud-based systems, the answer is likely yes.

All sources: tithes, offerings, rental income, fundraisers, grants. Found on your annual financial report or most recent tax filing. Not sure? Request help

Include carrier and coverage type: property, liability, workers compensation, auto, umbrella.

The more complete the information you share, the more accurately competing carriers can quote your church. In order of preference:

Full Policy (Preferred)

The complete policy shows carriers every coverage, limit, deductible, endorsement, and exclusion in one place. Upload it below or email it to steve@crexchurch.com.

Fastest find: it probably arrived by email around last year's renewal, this same season. Search the church inbox for your carrier's name and forward the email, attachments and all.

Declarations Page (If the Full Policy Isn't Available)

The dec page is the summary at the front of your policy, usually the first page or two. Dec pages have been getting thinner, so if yours leaves coverages or endorsements out, send the full policy when you can. Premium amounts or internal notes may be redacted if preferred.

Files up to 8MB each. Larger than that, or more than three? Email them to steve@crexchurch.com and note it in the form.

Canopy Connect: A Fast Way to Pull Your Current Details

Canopy is an independent, SOC 2 certified platform that runs a secure, read-only lookup of your carrier's system. It does not change your policy, generate a cancellation, or notify your current agent or carrier, and your login credentials are never shared with or visible to Crex. Canopy does not always return the full policy, so if anything is missing, follow up with your policy or dec page.

Connect My Insurance Information

Loss Runs (Needed in Every Case)

Email five years of loss runs from your current agent to steve@crexchurch.com. Loss runs summarize your claims history and are required by every major carrier. Most agents send these within one to two business days of your request.

One submission puts your church in front of the whole pool.
It's a private review. This does not notify your current agent or carrier.

Prefer paper? Answer what you can. Flag what you're not sure about. We'll sort it out together.
Download the fillable questionnaire