CVA Mutual — Together Protecting Our Mission

Imagine a protection program built by CVA members, for CVA members — where every dollar stays in our community. Together we share risk, look after each other, and reinvest any surplus into making our ministries stronger. This is more than protection — it’s unity, stewardship, and care in action. It is the Spirit of Sharing in action.

Why Join the Mutual

• Designed for our sector: tailored protection that reflects how camps and ministries really operate.
• Community-owned: decisions are made by people who understand the sector's needs.
• Value and stability: contributions focus on protection, not profit; surpluses are reinvested for members.
• Confidence and experience: administered by Baptist Insurance Services (BIS) with specialist broker support from our Mutual Specialist Insurance Broker.
• Exclusively for CVA: a benefit created for CVA members and associates.

What You'll Get at Launch (mid‑2026)

• Industrial Special Risks (ISR): protection for commercial property and contents.
• Broad inclusions aligned to our sector, with sensible conditions and clear language.

What’s Coming Next (Update: Now possible in mid 2026 as well)

• Public & Products Liability protection.
• Professional Indemnity protection.

How the Mutual Works

• Members pool their contributions to protect one another.
• Baptist Insurance Services (BIS) manages day‑to‑day service, including underwriting and claims.
• Reinsurance sits behind the Mutual to respond to severe or catastrophic losses.
• Because the arrangement is discretionary, the Board can consider payments that fall outside the Protection Wording when it is in the Mutual members' best interests.

What It Will Cost

Pricing will be set once we have members’ property data and claims history. Our advisers’ experience is that well‑run discretionary mutuals are typically competitive with, and often lower than, traditional insurance — helped by not attracting insurance stamp duties and certain taxes.

Moving From Your Current Insurer

• Join at launch: apply for membership and conclude your current policy on the Mutual’s start date (seek any pro‑rata refund if applicable).
• Join at renewal: apply now, then transition when your current policy renews.

Who We Are Partnering With

To prepare, analyze, and deliver the program, CVA is working with Mutual Specialist Insurance Brokers and Baptist Insurance Services (BIS). BIS provides risk protection to over 1,350 entities across Australia, including all 14 Baptist camps, and supports more than 85% of Baptist churches and ministries nationally.

Proof of Cover

Members will receive a Certificate of Protection (rather than a Certificate of Currency). This document is widely accepted by counterparties requiring evidence of Public Liability or other protections.

How to get involved

To register your interest in getting involved, please email us at info@cvamutual.com.au.

If you are ready to provide CVA with the required data, follow this link.

DATA COLLECTION LINK

The data is required NO LATER than October 24, 2025

More Information

More information can be found in our FAQ's, or by contacting CVA at info@cvamutual.com.au, or calling the office on 02 8613 7599 and asking for Graeme Janes.

Our brochure, which contains much of the information found in these pages, is available for download here.

FAQ’s

Information Webinars

CVA has hosted a webinar that provided further details on the proposed Mutual. See access a recrding on this webinar please email us at info@cvamutual.com.au