What We Need for Your Coverage Review
Gathering these items ahead of time helps us provide the most accurate comparison.
Your Coverage Review Team
Every coverage review is handled personally by one of our agents — not outsourced, not automated.
Michael Campbell
Managing Principal
Matthew Campbell
Principal
Gabe Farmer
Producer
Call us directly at (770) 716-0180
A coverage review is most helpful when we can see what you currently have in place. Here's what to gather before we connect — don't worry if you can't find everything. We'll work with whatever you have.
Current Declaration Pages (Dec Pages)
Your declaration pages are the summary pages at the front of your insurance policy. They show your coverages, limits, deductibles, and premium. This is the single most important document for a coverage review.
How to get them: Check your email for your last renewal documents, log into your current carrier's online portal, or call your current agent and ask for "a copy of our current declaration pages."
Loss Runs (Claims History)
Loss runs are a report from your current carrier showing your claims history — typically the last 3-5 years. Carriers use this to price your coverage, and we need them to get you accurate quotes.
How to get them: Call your current carrier directly (not your agent) and request "5-year loss runs." Common carrier phone numbers:
- Church Mutual: (800) 554-2642
- GuideOne: (888) 748-4326
- Philadelphia Insurance: (800) 873-4552
- Insurance Board: (800) 221-4291
Property Information
We need your building square footage, year built, construction type, roof age and material, any recent renovations, and details on special property like stained glass windows, pipe organs, AV equipment, and commercial kitchens. These details help us ensure your property is valued at what it would actually cost to rebuild — not what you paid years ago.
Building details: Square footage, year built, construction type (brick, frame, etc.), roof age and type, any recent renovations
Special property: Stained glass windows, pipe organs, AV equipment, commercial kitchens — anything expensive to replace
Ministry Operations
We need information about your staff and payroll, church-owned vehicles, ministry programs like K-12 schools, daycare, camps, counseling, and mission trips, and your approximate annual operating budget. These operational details help us identify coverages you need — like workers' compensation if you have three or more employees — and gaps in what you currently have.
Staff & payroll: Number of employees (W-2), annual payroll, any 1099 contractors
Vehicles: Church-owned vans, buses, or vehicles used for ministry
Programs: K-12 school, daycare/preschool, camps, counseling, food bank, mission trips
Annual budget: Approximate annual operating budget helps us right-size your coverage
Don't have everything? That's OK.
Start with whatever you have — even just your dec pages — and we'll walk you through the rest. Most church administrators can gather everything in about 15 minutes.
Coverage review preparation questions
What are declaration pages and where do I find them? +
Declaration pages (dec pages) are the summary pages at the front of your insurance policy showing your coverages, limits, deductibles, and premium. Check your email for renewal documents, log into your carrier's online portal, or call your current agent and ask for a copy of your current declaration pages.
What are loss runs and how do I get them? +
Loss runs are a claims history report from your current insurance carrier covering the last 3-5 years. Call your carrier directly (not your agent) and request five-year loss runs. Most carriers send them within a few business days. We need these to get accurate quotes from other carriers.
What if I don't have all the documents for a coverage review? +
Start with whatever you have — even just your declaration pages. Most church administrators can gather everything we need in about 15 minutes. If you're missing something, we'll walk you through how to get it. The coverage review is free and there's no obligation.