Frequently Ask Questions

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Expand 1. What methods of payment can we use to pay for our church insurance?1. What methods of payment can we use to pay for our church insurance?
Expand 2. What type of pay plans do you offer?2. What type of pay plans do you offer?
Expand 3.	What do the policy number abbreviations mean on my invoice?3. What do the policy number abbreviations mean on my invoice?
Expand 4.	Do I need to write a separate check for each policy?4. Do I need to write a separate check for each policy?
Expand 5.	What is Earned Premium?5. What is Earned Premium?
Expand 6.	Fencing outside AC units with chain link fence considered as a approved cage by SMCI to prevent copper theft?6. Fencing outside AC units with chain link fence considered as a approved cage by SMCI to prevent copper theft?
Expand 7.	What is the proper type cage approved by SMCI for securing outside AC units to help prevent copper theft?7. What is the proper type cage approved by SMCI for securing outside AC units to help prevent copper theft?
Expand 8.	Can the outside AC units be connected to the churches existing burglar alarm system?8. Can the outside AC units be connected to the churches existing burglar alarm system?
Expand 9. Is there a credit given by SMCI if a church has a monitored burglar or fire alarm system installed?9. Is there a credit given by SMCI if a church has a monitored burglar or fire alarm system installed?
Expand 10. What is the purpose of doing a updated interior renewal inspection every three years?10. What is the purpose of doing a updated interior renewal inspection every three years?
Expand 11. I would like to get a quote for my church. How do I get the process started?11. I would like to get a quote for my church. How do I get the process started?
Expand 12. Our church has a van/bus that needs insurance. Does SMCI insure vans only?12. Our church has a van/bus that needs insurance. Does SMCI insure vans only?
Expand 13. What type of coverage is available for our church's missions trips?13. What type of coverage is available for our church's missions trips?
Expand 14. Our church uses '1099 Contract Workers' to take care of landscaping/custodial services. How are these workers covered?14. Our church uses '1099 Contract Workers' to take care of landscaping/custodial services. How are these workers covered?
Expand 15. What type of risk management services does SMCI provide?15. What type of risk management services does SMCI provide?
Expand 16. When is church or association required to carry Workers’ Compensation (WC)?16. When is church or association required to carry Workers’ Compensation (WC)?
Expand 17. When a WC policy is audited, whose payroll should be included?17. When a WC policy is audited, whose payroll should be included?
Expand 18. What should be included as payroll?18. What should be included as payroll?
Expand 19. Why does my premium change once an audit is performed?19. Why does my premium change once an audit is performed?
Expand 20. How do we add a driver for our vehicles?20. How do we add a driver for our vehicles?
Expand 21. How many church members can be listed as drivers?21. How many church members can be listed as drivers?
Expand 22. What are age requirements for drivers?22. What are age requirements for drivers?
Expand 23. Will the church’s automobile policy cover a rented vehicle for liability and physical damage?23. Will the church’s automobile policy cover a rented vehicle for liability and physical damage?
Expand 24. How may we report a claim?24. How may we report a claim?
Expand 25. How do we get a history of past claims?25. How do we get a history of past claims?
Expand 26. How do we report an emergency claim after your office is closed?26. How do we report an emergency claim after your office is closed?