More Value For Every Congregation.
More Impact For Your Denomination.
Bring your churches together through a program that creates benefits for individual congregations and the denomination as a whole.
More Value For Every Congregation.
What is a Group Affiliated Program (GAP)?
The Group Affiliated Program (GAP) brings your headquarters and affiliated churches together under one coordinated program, while each congregation keeps its own individual policy, coverage, and billing.
Religious Organization ExpertiseOne of the nation's largest
religious-org insurers |
Loss Control BonusMoney back directly to the denomination
|
Automatic Coverage Increase25% boost to property coverage
at no extra cost |
Call Us Today: (715) 483-3290
How It Works
STEP 1Headquarters is insured |
STEP 2Headquarters endorses it |
STEP 3Congregations join individually |
STEP 4Network grows over time |
The Loss Control Bonus
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The more your congregations participate and maintain a strong claims history, the bigger the shared bonus for the whole group.
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Loss Control Bonus Calculator
How to use this calculator
Adjust the four fields on the left to match a denomination's numbers. The green panel on the right updates automatically and shows the estimated annual bonus check, based on GuideOne's GAP Loss Control Bonus schedule.
Timing to know: a headquarters must be enrolled in the GAP program for 3 years before the bonus starts paying out. There's no bonus in years 1–2. Starting in year 3, the bonus is evaluated and paid out annually, using that year's own numbers. It's not a rolling 3-year average.
- Congregations in the denomination
- The total number of churches this HQ represents in the region, used to figure out how many are actually enrolled in GAP.
- Penetration
- The percentage of those congregations enrolled in GAP. A minimum of 35% enrollment is required to qualify for any bonus at all. Below that, the bonus is $0 regardless of loss ratio.
- Annual loss ratio
- Total claims paid divided by total premium collected for that year. Lower is better; it moves the bonus percentage up the schedule below.
- Average annual premium per church
- A typical yearly premium amount per enrolled church, used to estimate total enrolled premium.
- Estimated bonus check
- The dollar amount GuideOne would pay back for that year, calculated as: (enrolled churches × average premium) × the bonus percentage from the schedule for that penetration tier and loss ratio band.
- Bonus Schedule table
- The full reference table below. The gold-highlighted cell shows exactly which loss ratio band and penetration tier the current numbers fall into. This schedule applies annually once the 3-year mark is reached.
Total churches this HQ represents in the region.
Bonus requires at least 35% enrollment to qualify.
Below that, no bonus is paid.
Total claims paid ÷ total premium collected for the year.
Lower is better.
Estimated bonus check
$49,000
7% of enrolled group premium
Churches enrolled
70
Total enrolled premium
$700,000
Penetration tier
Up to 35%
Annual loss ratio band
0.0%–15.0%
Qualified.
35%+ enrollment threshold met.
Payouts begin in year 3 of enrollment in GAP,
then continue annually from that point forward.
Bonus Schedule
Applies annually starting in Year 3 of enrollment.
Excludes AL, FL, LA, MS, SC, TX. The highlighted cell reflects
the inputs above.
| Loss Ratio Band | Up to 35% Penetration | 35% to 75% Penetration | Over 75% Penetration |
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