Accountable. Church Mutual. Annual Report
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1 Accountable 2012 Church Mutual Annual Report
2 President s Message We ve had a 116-year partnership with our customers. Never was it more evident than in Church Mutual teamed up with approximately 98,000 partners, and the result was the lowest claims total in 18 years! It seemed to defy logic when the final tally was counted and our 30,574 claims paid were the lowest since the 29,233 of Mother Nature was kinder and gentler this past year than in 2011, and property claims showed the best improvement with a 30% decrease. But the claims volume was down for every line of coverage not just property. Liability, workers compensation and commercial automobile claims also were down. When you consider the efforts being made by both partners, a reduction in all lines not just property makes sense. We do our part by being accountable in providing you with hands-on risk management information, including newsletters, videos, booklets, checklists and stronger loss control support across the country. You do your part by being equally accountable in putting that information into practice. It s a win-win situation for all. Reduced claims helped enable Church Mutual to have a profitable year on the heels of a 2011 that saw our company lose $37.5 million of policyholders surplus. The turnaround helped grow our surplus by $39 million to $415.2 million, essentially negating the poor results of Surplus most accurately reflects the financial strength of the company and its
3 ability to be there for you through thick and thin. Church Mutual s financial position has never been stronger. Our assests increased 4.5% to $1.23 billion. Premium volume increased 1.5% to $591.9 million. We were again awarded the A (Excellent) rating from A.M. Best Company. For the fourth consecutive year, our National Customer Service Center earned the prestigious Center of Excellence certification by BenchmarkPortal and The Center for Customer-Driven Quality founded at Purdue University. Our service representatives average speed of answer of 11.8 seconds is more than twice as fast as the property and casualty insurance industry average (24.49 seconds). Resolution of problems on the first call is 94.7%. One of only 66 service centers across the nation to earn the designation, it differentiates us from our competitors in customer service quality. It would be easy to get lost in all the excitement of 2012 s numbers. It would also be a big mistake. Insurance companies look at the bigger picture. Despite the outlier year we had in 2012, over the last five years, we have averaged 37,000 claims. We d like to believe 2013 will show a repeat of the favorable experience, but weather-related catastrophes vary greatly from year to year, making this a very volatile and unpredictable business. We are in the business of expecting the unexpected, and we ll be there for our partners the houses of worship, schools, camps and conference centers, denomination and association offices and senior living communities we insure with whatever Mother Nature and other calamities throw our way. Just like we have since Thank you for continuing to let us serve you. Michael E. Ravn
4 STATEMENT OF CONDITION DEC. 31, 2012 What your company owns: Bonds $872,509,271 $884,772,720 Bonds which qualify for amortization under insurance department regulations are amortized; all others are carried at market value. Stocks $64,526,308 $56,211,478 At market value Cash and short-term $1,782,774 ($4,789,379) investments Real estate $13,382,082 $13,766,463 home office building Premiums $136,841,660 $133,760,287 in course of collection Accrued interest, $7,892,757 $9,237,958 dividends and real estate income Other assets $132,736,589 $83,729,847 Total assets $1,229,671,441 $1,176,689,374 Securities carried at $35,055,972 in the above statement are deposited as required by law. What its obligations are: Losses in process $386,134,836 $399,654,870 of adjustment Unearned premiums $268,783,253 $263,646,887 Unearned portion of the premium on all unexpired policies. Taxes payable $5,391,227 $4,944,000 Expenses payable $12,081,289 $10,867,843 Other liabilities $142,001,374 $121,333,326 Total liabilities $814,391,979 $800,446,926 Policyholders Security Fund: Guaranty fund $1,600,000 $1,600,000 Unassigned funds $413,679,462 $374,642,448 for the protection of Church Mutual policyholders Total security fund $415,279,462 $376,242,448 Total liabilities and $1,229,671,441 $1,176,689,374 security fund
5 Assets $1,229,671,441 $1.25B $1.20B $1.15B $1.10B $1.05B Policyholders Security Fund $415,279,462 $450M $400M $350M $300M $250M Direct Premiums Written $591,923,578 $700M $650M $600M $550M $500M
6 Board of Directors Officers Gerald Whitburn Chairman Retired President and CEO Church Mutual Insurance Company Michael W. Grebe Lead Director Lynde and Harry Bradley Foundation Allen L. Leverett Executive Vice President and CFO Wisconsin Energy Corporation and We Energies Marsha A. Lindsay CEO Lindsay, Stone & Briggs Michael E. Ravn Church Mutual Insurance Company Dr. Michael J. Riley Professor, University of Maryland University College Lori A. Weyers President Northcentral Technical College Walter H. White Jr. Partner McGuireWoods, London John (Jay) B. Williams Milwaukee Public Museum Michael E. Ravn, CPCU Richard V. Poirier, JD Chief Operating Officer James P. Jordan, Ed.D. Senior Vice President Commercial Lines Operations Brian J. Arndorfer, JD, CPCU Vice President Claims Randy J. Brandner, CPCU Vice President Chief Risk Officer Robert M. Buckley, CPCU Vice President Organizational Planning and Process Management John F. Cleary, JD, CPCU Vice President, Secretary and General Counsel Christopher A. Graham Vice President Chief Information Officer Richard A. Huseby, SPHR Vice President Human Resources and Strategic Initiatives Karen A. Karow Vice President Corporate Services Cheryl A. Kryshak, CPCU Vice President Underwriting Patrick M. Moreland, CPCU Vice President Marketing Steven C. Rominske, FCAS, MAAA, CPCU Vice President and Chief Actuary Kevin D. Root, CPA Vice President Chief Financial Officer Mark A. Steinberg, CPCU Vice President Broker/Specialty Markets Craig D. Wessman Vice President Direct Sales Herman W. Vandenberg, CPA Treasurer Mary E. Gestner Assistant Vice President Information Services Thomas J. Kluxdal Assistant Vice President Claims Dawn R. Lemke, JD, CPCU Assistant Vice President Chief Compliance Officer Cynthia M. Brandt Assistant Corporate Secretary Titles as of February 2013
7 With Church Mutual, you get more than just insurance. You get the attention of our dedicated insurance professionals who focus on the needs of religious organizations day in and day out. We hold ourselves accountable for knowing what it takes to be there for our customers when they need it most. Being there means little things, like answering your questions quickly and accurately. Or big things, like being on-site in the wake of a tragedy to help you get back on your feet. It can also mean making sure we maintain our financial strength, so we continue to deliver on our promises. No matter what form being there takes, our customers quickly realize the added value that comes from working with the experts. That s because we re committed to being accountable with every interaction. Our coverages were developed with the unique needs of religious organizations in mind. We offer coverages for houses of worship, schools, camps and conference centers, denomination and association offices and senior living communities. Coverages include: Property and liability Commercial vehicles Umbrella liability Workers compensation Professional liability Another way we re there for our customers is with safety and risk management materials. These booklets, videos, checklists, posters and more are full of preventive risk management measures and are available to our customers at no cost.
8 The worship center experts for 116 years. Since 1897, Church Mutual has focused on serving the insurance needs of America s faith-based community. Our focus has made us experts in what we do. And our commitment to being there when our customers need us with exceptional service and superior financial strength has made us the country s leading insurer of religious organizations. To learn more about our company and coverages and to view a full list of safety materials available to our customers, visit us online at Church Mutual is rated A (Excellent) by A.M. Best, the leading rating service in the insurance industry. Church Mutual is ranked in the top 2% of the 2,464 property and casualty companies rated by Weiss Ratings and is listed as one of their strongest business insurers Schuster Lane l P.O. Box 357 Merrill, WI (800) l For more information, contact info@churchmutual.com. Para obtener asistencia inicial en español puede telefonear al (800) o enviar un correo electrónico a la dirección espanol@churchmutual.com. Listening. Learning. Leading. is a registered trademark of Church Mutual Insurance Company Church Mutual Insurance Company
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