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Frequently Asked Questions
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Frequently Ask Questions
1. What methods of payment can we use to pay for our church insurance?
2. What type of pay plans do you offer?
3. What do the policy number abbreviations mean on my invoice?
4. Do I need to write a separate check for each policy?
5. What is Earned Premium?
6. Fencing outside AC units with chain link fence considered as a approved cage by SMCI to prevent copper theft?
7. What is the proper type cage approved by SMCI for securing outside AC units to help prevent copper theft?
8. Can the outside AC units be connected to the churches existing burglar alarm system?
9. Is there a credit given by SMCI if a church has a monitored burglar or fire alarm system installed?
10. What is the purpose of doing a updated interior renewal inspection every three years?
11. I would like to get a quote for my church. How do I get the process started?
12. Our church has a van/bus that needs insurance. Does SMCI insure vans only?
13. What type of coverage is available for our church's missions trips?
14. Our church uses '1099 Contract Workers' to take care of landscaping/custodial services. How are these workers covered?
15. What type of risk management services does SMCI provide?
16. When is church or association required to carry Workers’ Compensation (WC)?
17. When a WC policy is audited, whose payroll should be included?
18. What should be included as payroll?
19. Why does my premium change once an audit is performed?
20. How do we add a driver for our vehicles?
21. How many church members can be listed as drivers?
22. What are age requirements for drivers?
23. Will the church’s automobile policy cover a rented vehicle for liability and physical damage?
24. How may we report a claim?
25. How do we get a history of past claims?
26. How do we report an emergency claim after your office is closed?
Copyright© 2017 Southern Mutual Church Insurance Company
P.O. Box 9346 - 201 Greenlawn Drive - Columbia, SC 29290-0346
(803)776-9365 - Toll Free (800)922-5332 - Fax (803)776-4260