Window on the church market.

Church insurance is a potentially attractive sector for those brokers looking for a niche in which there are relatively few players. However, specialists already account for 75% of business, so divine inspiration may be called for, says Steve Banner.

On the face of it, church insurance is an attractive niche market,
with a couple of appealing characteristics for brokers. Customers are
loyal, says Roger Williams, marketing manager at Congregational &
General.


"What's more, there appears to be less moral hazard than in other classes
of insurance," he adds.


On the down side, a church's committee-dominated decision-making process
can be tortuous; and loyalty can be a double-edged sword that making it
hard for the broker to persuade church people to