Crex Insurance Agency · Group Programs
Insurance is one of the steady expenses of running a church. Most churches handle it on their own: one policy, one agent, one carrier or two. That works.
There is another way. Churches that share a denomination, an association, or a faith tradition can be insured together, under arrangements that turn the dollar already being spent into something larger. Coverage stays church-specific. Costs come down through collective scale. And in some arrangements, what is already being spent returns to the denomination for ministry use.
Crex offers three of these arrangements. Which one fits depends on how your denomination is organized, who owns the buildings, and what role your headquarters wants to play.
Master Policy
When a denomination owns or controls the buildings of its member organizations, one policy can cover everything. One renewal. One invoice. Consistent coverage across every location, managed by the headquarters in direct relationship with the carrier.
Used where the headquarters carries the policy and member locations operate underneath it: denominations with formal property ownership, school systems, dioceses, multi-campus ministries.
Group Affiliated Program · GAP
Each church holds its own policy. What changes is the context. The denomination endorses the program, the carrier knows each church is part of a recognized group, and the underwriting reflects that.
Member churches receive specialty coverage built for churches, including additional property protection at no extra charge that single-church arrangements do not include.
Used where churches own their own buildings and operate independently, but want to benefit from being part of a larger arrangement.
Group Affiliated Marketing Agreement · GAMA
A GAMA sits alongside a GAP. The church spends nothing different and nothing more. When the group operates safely and claims stay low across member churches, the carrier returns funds annually to the denominational headquarters for ministry use.
Insurance dollars already going out the door fund the larger mission. The group's collective stewardship of risk makes the return possible.
Used by denominations that want their relationship with the carrier to produce something for the ministry of the larger body.
Which arrangement is right depends on how your denomination is organized, who owns the buildings of member churches, what role your headquarters wants to play, and what the group wants to do with what is returned. That conversation is part of the work.
A short questionnaire to start. Tell us about your group: denomination or association, approximate number of member churches, current arrangement, and what is prompting the question. We will work out the rest together.