Frequently Asked Questions

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Expand What methods of payment can we use to pay for our church insurance?What methods of payment can we use to pay for our church insurance?
Expand What type of pay plans do you offer?What type of pay plans do you offer?
Expand What do the policy number abbreviations mean on my invoice?What do the policy number abbreviations mean on my invoice?
Expand Do I need to write a separate check for each policy?Do I need to write a separate check for each policy?
Expand What is Earned Premium?What is Earned Premium?
Expand What type of protection is recommended for HVAC units?What type of protection is recommended for HVAC units?
Expand What is the proper type cage approved by SMCI for securing outside AC units to help prevent copper theft?What is the proper type cage approved by SMCI for securing outside AC units to help prevent copper theft?
Expand Is there a credit given by SMCI if a church has a monitored burglar or fire alarm system installed?Is there a credit given by SMCI if a church has a monitored burglar or fire alarm system installed?
Expand What is the purpose of doing an updated interior renewal inspection every three years?What is the purpose of doing an updated interior renewal inspection every three years?
Expand I would like to get a quote for my church. How do I get the process started?I would like to get a quote for my church. How do I get the process started?
Expand Our church has a van/bus that needs insurance. Does SMCI insure vans only?Our church has a van/bus that needs insurance. Does SMCI insure vans only?
Expand What type of coverage is available for our church's missions trips?What type of coverage is available for our church's missions trips?
Expand Our church uses '1099 Contract Workers' to take care of landscaping/custodial services. How are these workers covered?Our church uses '1099 Contract Workers' to take care of landscaping/custodial services. How are these workers covered?
Expand What type of risk management services does SMCI provide?What type of risk management services does SMCI provide?
Expand When is a church or association required to carry a Workers’ Compensation (WC) policy?When is a church or association required to carry a Workers’ Compensation (WC) policy?
Expand What should be reported as payroll on your Workers’ Compensation Audit?What should be reported as payroll on your Workers’ Compensation Audit?
Expand Why does my premium change once an audit is performed?Why does my premium change once an audit is performed?
Expand How do we add a driver for our vehicles?How do we add a driver for our vehicles?
Expand How many church members can be listed as drivers?How many church members can be listed as drivers?
Expand What are age requirements for drivers?What are age requirements for drivers?
Expand Will the church’s automobile policy cover a rented vehicle for liability and physical damage?Will the church’s automobile policy cover a rented vehicle for liability and physical damage?
Expand How may we report a claim?How may we report a claim?
Expand How do we get a history of past claims?How do we get a history of past claims?
Expand How do we report an emergency claim after your office is closed?How do we report an emergency claim after your office is closed?