Insurance
Church
Property Insurance
ARM began in 1936 with the goal of protecting denominational property. Property insurance pays the insured for loss or damage to physical property, e.g. buildings, contents, equipment and inventories as scheduled on the insurance policy. The policy contains exclusions and limitations, as well as a deductible[1], which is the amount the insured incurs before insurance can pay.

You have a duty to protect your property. If you have a situation where the damage from a loss may cause additional risk or damage, it is important to mitigate[2] the loss. For example, this may mean turning off the water in the case of broken pipes and calling a cleanup company. Do not hesitate to take care of your property – the repairs are required whether you have insurance coverage or not. Waiting will only make the issue worse and cost more in the long term.

For more information about your specific coverage, please contact your conference treasury department.

[1] DEDUCTIBLE - Amount of loss that the insured incurs before the insurance can pay.
[2] MITIGATE - To make less severe or serious, often with professional help.
Liability Insurance
General Liability

General Liability insurance pays the sums that the insured is legally obligated to pay, or that the insurance company has agreed to pay, for injuries or damages incurred by third parties as a result of the insured’s negligence. This policy covers bodily injury, personal injury or damage to property belonging to others that occurs on the insured’s premises or resulting from the insured’s operations or products.

Auto Liability

Auto liability insurance provides protection from loss incurred through legal liability for bodily injury and damage to the property of others, caused by accidents arising out of ownership, maintenance, or use of a motor vehicle by the insured.

Travel Hub Insurance
ARM provides travel accident insurance products for church or school-sponsored, mission-related trips and activities.

The Travel Hub offers the following insurance solutions:

  • Short-Term Travel (International Only)
  • Volunteer Labor
  • Miscellaneous Accident and Sickness (US/Canada)
  • Outdoor Sports Activities (US/Canada)
  • Task Force (US/Canada)
  • International Campers
  • International Pathfinders
The Travel Hub is available 24 hours a day. It allows you to:

  • Purchase insurance coverage
  • Print proof-of-coverage identification cards
  • Obtain policy information and documentation

Claims Reporting Services






Quick Tops

  • DO NOT WAIT TO FILE YOUR CLAIM – Provide as much information as you can but do not delay filing your claim because you are waiting on additional information.  
  • DUTY TO PROTECT – You have a duty to protect your property. If you have a situation where the damage from a loss may cause additional risk or damage it is important to mitigate the loss. For example, this may mean turning off the water if you have broken pipes and calling a clean-up company. Do not hesitate to take care of your property. It will need to be done whether you have insurance coverage or not. Waiting will only make the problem worse. 
  • DOWNLOAD the quick claims process info sheet. (PDF 389kb) EN ESPAÑOL
FAQ (Frequently Asked Questions) about the Property and Liability Claim process.
© 2014 Adventist Risk Management, Inc. All rights reserved. 12501 Old Columbia Pike. Silver Spring,