Our Programs & Services

At Catholic Mutual Group our diverse coverage programs are crafted to provide unparalleled protection for every aspect of your life. We understand that one size does not fit all, and that's why our range of coverage programs is designed to cater to your individual needs and circumstances. Explore the tailored solutions we offer to secure your future and provide you with the peace of mind you deserve.

Our Promise

We take our promise to be there for our members in times of need, and in-between times, very seriously. We are a trusted partner because we have actual, proven solutions in place and ready to go to manage the property and liability exposures of the Church.

Unlike our competitors, almost all of Catholic Mutual’s ERM services, with the exception of a few services such as onsite inspections and Safe Environment Solutions, are part of our risk management program and included in your coverage at no additional charge.

Our Risk Management Leadership Committee also sets us apart. Established in 2008, this dedicated group of diocesan members meets twice yearly to discuss the exposures they are encountering within their dioceses. By constantly monitoring and analyzing the exposures of the Church, we are able to innovate new programs that reflect our members’ evolving needs.

Our Coverages

Property

(includes but not limited to)
Building and Contents
Builders Risk
Boiler and Machinery
Earthquake/Flood
Electronic Data Processing
Fine Arts/Stained Glass
Loss of Income/Tuition/Rents/Extra Expense
Mobile Equipment
Ordinance or Law
Personal Property for Priests and Religious
Crime

Liability

(includes but not limited to)
General Liability (BI, PD, AI, PI)
Cemetery Errors and Omissions
Counseling Errors and Omissions
Directors and Officers
Employee Benefits Errors and Omissions
Employment Practices
Fire Legal
Liquor Liability
Personal Injury
Sexual Misconduct
Incidental Medical Malpractice

Available through our affiliate CMG Agency

(includes but not limited to)
Auto
Worker’s Compensation
Bonds
Student Accident
Volunteer Workers Accident Coverage
Third-party Special Events
Employee Benefits Consulting/Placement (All Lines)
Employee Benefit Buying Alliance

Need more information regarding our offerings?

Contact our onboarding team

On the night of October 8th, 2017 the Tubbs Fire started in Calistoga, CA and burned through the night doing massive destruction over 18 miles into Santa Rosa. Multiple buildings were destroyed at Cardinal Newman High School and St. Rose Elementary The staff from Catholic Mutual came on site as soon as the area was cleared by emergency officials. They took charge of the situation and in partnership with school administration, both schools were back in session at temporary facilities in January. Catholic Mutual's experience, professionalism and support on mitigating the impact of this loss far exceeded my expectations.

Dave Adams,
Diocese of Santa Rosa
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In one tragic moment on May 22, 2011, St. Mary's Parish in Joplin, MO., found itself completely without a church, Catholic school, rectory, offices, parish hall and St. Vincent de Paul House, as a result of an F-5 tornado. The parish and diocese were distressed about how to proceed in the near and distant future. The staff from Catholic Mutual Group guided us through temporary housing and operations. Their reaction both on-site and off-site was immediate and compassionate, and they handled our claim process personally and efficiently. In summary, their professional efforts far exceeded my expectations.

Dr. Gene Aug,
Diocese of Springfield-Cape Girardeau
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Claims Administration

Claims can be reported by your locations or a central office via phone, email, fax, or online through our website. No matter the method, our priority is making the process simple and accessible so that members can reach us quickly in times of need. Our team is always ready to respond with care, understanding that claims often come during stressful situations.

Our members can be as involved or uninvolved in the claim process as they want to be. For some, being fully engaged brings peace of mind, while others may prefer to let us handle the details so they can focus on their ministries and communities. Either way, our staff ensures that every claim is handled with professionalism, transparency, and compassion.

Catholic Mutual provides a Claim Portal where members can access claim history, current claim reports or status, and retention summaries. This tool allows members to stay informed at their own pace and offers peace of mind by ensuring information is available whenever it’s needed.

Catholic Mutual has a dedicated Specialty Claims team with extensive experience in the challenges of today’s legal environment. We recognize the sensitivity of these matters and approach them with the highest level of confidentiality, respect, and pastoral care, while ensuring members are guided through the legal complexities with clarity and support.

Catholic Mutual can assemble a Disaster Claim Team when catastrophic events affect many locations at once. In these moments of crisis, we respond swiftly to help members recover and restore their ministries, providing not only financial support but also a reassuring presence during uncertain times.

Catholic Mutual, with approval, will allow new members to retain existing vendor, legal, or service relationships upon request. We believe continuity and trust are essential, and we want our members to feel confident that their needs are met in ways that are familiar and comfortable, while still supported by the strength and resources of Catholic Mutual.

We're grateful to have the Catholic Mutual Group Risk Management team backing us every step of the way. They consistently go above and beyond helping us navigate complex liability issues, offering proactive risk assessments, providing educational aid and videos, and simply being available. They are more than a trusted partner in protecting our people, property, and purpose-they are like caring family members to us.

Paul D. Simoneau,
Diocese of Knoxville
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Catholic Mutual has been our Diocese's trusted partner for over 25 years, providing us with a comprehensive property and casualty coverage, and risk management program that exceeds industry standards. By aligning with the church's mission and collaborating with us to ensure we have comprehensive protections in place, their approach has been indispensable in addressing our organization's unique risk related needs.

Royce Ranniger,
Diocese of Sioux City
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Risk Management

At Catholic Mutual, risk management isn’t simply a priority, it is our commitment. From July 1, 2024, through June 30, 2025, our dedicated risk professionals completed 6,106 on-site inspections, evaluated 3,559 self-inspections, and reviewed 1,378 online interactive self-inspections. Our mission-driven and proactive risk management approach helps our members build and maintain a culture of safety that reduces claims and protects their bottom line.

Risk management is an essential part of any coverage program to effectively manage the property and liability exposures of the Catholic Church. Because of this, Catholic Mutual offers a comprehensive choice of risk management services to its members, including the following:

CMG Connect – As the largest provider for the Catholic Church, Catholic Mutual is able to match training and resources to current trends. Our learning management platform, CMG Connect, houses all of our training videos and best practice resources. This dynamic training platform can be customized to provide specific training requirements based on your needs. The platform has tracking capabilities to ensure training compliance. Over 380,000 users have taken advantage of our online training platform.

Safe Environment Program – Catholic Mutual offers an excellent Safe Environment Program on our CMG Connect platform at a low cost to our members. This program meets all the requirements of the Bishop's Charter. It comes complete with online training, electronic policy acknowledgement, data tracking capabilities for USCCB reporting, and integrated background checks with our preferred provider.

Location Level Resources – Over 100 arch/dioceses participate in an onsite inspection program, with over 6,500 onsite inspections conducted each year by Catholic Mutual's staff. Our risk management staff is also available to assist with contract review, policy development and implementation, best practice guidelines and safety seminars to only name a few. Whatever your risk mangement needs, Catholic Mutual wants to assist you through our CARES (Comprehensive, Attentive, Responsive, Effective, Service) program.

We the Sisters of Social Service have been very happy to have a company who responds to us in a timely manner with a personal voice. Catholic Mutual has been a part of us for many good years of service.

Sr. Ellen Hunter,
Sisters of Social Service
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Because Catholic Mutual's focus is purely to serve the Catholic Church, it's been like a partnership for both of us, both culturally and mission-driven, which is something that we hadn't experienced before.

Larry Dose,
Diocese of Winona-Rochester
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Member Services

At Catholic Mutual Group, every member is assigned a dedicated account manager who serves as a trusted partner and advocate. We believe in building lasting relationships, so your account manager takes the time to understand your unique needs and provide ongoing support for all aspects of your program. Whether you have a quick question or a complex issue, you will always have someone who knows you and your ministry personally.

Our Member Services team assists with:

Coverage Questions and Issues – We are here to bring clarity and peace of mind, making sure you fully understand your coverage and have the protection you need.
Certificates of Coverage – Provided promptly and accurately whenever you need documentation for schools, parishes, events, or other organizations.
Billing – We ensure billing is clear and straightforward, while your account manager remains available to walk you through details and resolve any concerns.
Endorsements – As your needs change, we work with you to update and tailor your coverage so that it always reflects your ministry’s reality.
Annual Renewals – Your account manager will guide you through the renewal process each year, ensuring it’s smooth, timely, and stress-free.
Special Projects – From unique events to large undertakings, we provide customized assistance so your ministry can move forward with confidence.

Our goal in Member Services is not simply to provide information but to care for our members as partners in ministry. With dedicated support, personalized service, and a genuine commitment to your mission, we strive to make every interaction helpful, reassuring, and centered on your needs.

Our Employee Benefit Buying Alliance

The expertise and skilled guidance of Catholic Mutual Group’s Employee Benefit Buying Alliance (EBBA) helps the Diocese of Phoenix to save time, money, and ensure high-quality coverage for our employees. Their professional support simplifies the process of selecting and managing benefit plans. We are deeply grateful for the partnership with Catholic Mutual Group and wholeheartedly recommend the EBBA to other Catholic organizations seeking expert brokerage and consulting services.

Joe Anderson,
Diocese of Phoenix
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CMG is a true partner with the Diocese of Pensacola-Tallahassee. Their joyful team is always available to assist, provide sound advice, and guide us in the best direction. They go far beyond what is necessary and embrace the mission of the Catholic Church in everything they do.

David Ell,
Diocese of Pensacola-Tallahassee
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CMG’s Employee Benefit Buying Alliance (EBBA) team is an amazing, professional team who continues to deliver a high-quality health insurance package which has been financially viable for our Diocese, and we have been very pleased with the program for the past 15 years. Thank you CMG!

Shirley Pajanor,
Diocese of San Diego
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Prior to joining Catholic Mutual in 2006, we seemed to be on the unending treadmill of escalating benefits costs. Each renewal year we would raise deductibles and/or reduce benefits on our fully insured plans in order to keep our renewal increase tolerable. In the Catholic Mutual Group, we have a partner who specializes in meeting the insurance needs of diocesan and other church plans. They facilitated the transfer of our administration and billing after our former administrator resigned the account with short notice. They negotiated the transfer of our prescription coverage and group life plans, resulting in more favorable terms for our plan. As the coalition continues to grow, we enjoyed deeper discounts on our prescription drug plan.

John J. McKenna,
Archdiocese of Newark
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Employee Benefit Buying Alliance

CMG Agency, Inc. and the Employee Benefit Buying Alliance provide professional brokerage services in the placement of the following coverages:

Health (Self-funded and Fully Insured)
Dental
Rx Carve-out
Group Life
Accidental Death and Dismemberment
Short-term Disability
Long-term Disability
Supplemental and Dependent Life and Voluntary Products
Vision

Advantages of Participating in the Employee Benefit Buying Alliance (EBBA)


Lower Commissions/Fees: CMG Agency commissions/fees are typically significantly lower than those of comparable brokers/consultants.

Experienced Management and Staff: All members of our staff either have a professional designation or are pursuing one. In addition, we have four licensed consultants available at any time.

Opportunity to Share Data: As in the case of some of the comparisons of the data that we have compiled in our growing database, we hope to be a catalyst in assisting our clients to share helpful information between dioceses without compromising the privacy of any without prior approval.

Never a One Size Fits All Approach: Although our experience with Catholic entities is second to none, we recognize that each still may have its own requirements and nuances. As such, all benefit plans are unique and clients are welcome to purchase any one or all of the coverage lines that we access through the EBBA (Employee Benefit Buying Alliance).

Significant Savings: Due to the interest that has been generated since its inception in 1999, the Employee Benefit Buying Alliance has saved participating members over a half billion dollars on all coverage lines.