Church Insurance Renewal


We are pleased to announce that the renewal for the 2023 Property and Casualty Trust (PACT) insurance renewal has been completed. It seems every year gets harder and harder to renew our insurance coverage given loss situations that we have no control over. Our risk manager, A J Gallagher, has done a yeoman’s job for us again this year. Below are the details of the renewal and steps that you must take to have your renewal completed. The full policy renewal packet should be to you by email within the next 10 days and by postal mail by December 19, 2022.
The overall premium increase will be approximately 7%, even though there was an increase of 9% for the property increase in values. 
Below are the changes in the 2023 renewal terms and conditions:

  • Our carrier has required a building and contents values increase by 9% for all locations. This is due to inflation and reinsurance requirements. 
  • There is an addition of a cosmetic damage exclusion that will apply to roof surfacing caused by wind and/or hail. *See definition of cosmetic exclusion below.
  • For locations in the six coastal counties--Hancock, Harrison, Jackson, Stone, Pearl River and George-- the property premium will be 100% minimum earned at binding on January 1, 2023. This is due to reinsurance restrictions for Named Storm Coverage. This means if you cancel after you renew for 2023, the premium will not be canceled during 2023.
  • All other cancellations after January 1, 2023, will be a short rate cancellation. That means there will be a 10% cancellation penalty.

Because of the 100% minimum earned premium on renewal in the six coastal counties and because of the way of determining the refund due if a policy is canceled mid-year which includes failure to advise the plan that you are renewing elsewhere after December 31, 2023, it is imperative to advise us of your plans no later than December 27, 2022.  
If you have any questions, please contact either Jeff Estes, Chris Brantley or Danielle Ryan at A. J. Gallagher at 1.800.960.4992 or email

*For the purpose of this endorsement, cosmetic damage means that the wind and/or hail caused marring, pitting or other superficial damage that altered the appearance of the roof surfacing, but such damage does not prevent the roof from continuing to function as a barrier to entrance of the elements to the same extent as it did before the cosmetic damage occurred.

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