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Church Mutual was founded on March 4, 1897, by two Lutheran pastors and eight laymen from two Merrill congregations. The company's first policy was written on June 3 of that year. For 107 years, Church Mutual has specialized in insurance for religious organizations. Our market also includes religious related schools, camps, denominational offices and senior living facilities. Our customers now number more than 90,000 religious institutions of all denominations and about 10,000 homeowners/tenants (mostly clergy). Church Mutual markets most lines of commercial property and liability insurance, including multiple-peril, workers' compensation and commercial auto insurance. We do not offer life or health insurance. Church Mutual sold its policies almost exclusively by direct mail until 1954, at which time the first field sales person was hired. Today, no sales are made through the mail. Approximately 80% of our premium volume is generated by 170 full-time regional representatives working out of 40 offices. The remaining 20% is generated by independent agents who specialize in church insurance and represent us in all or part of 12 states.