About ACS Financial

Owned by the Australian Christian Churches (ACC), we’re faith-aligned with Christian values. We understand the complex needs of the Christian and commercial sectors that we serve. We’re a profit-for-purpose company which means we reinvest our profits to support the ACC’s mission across our nation.

Nearly 30 years of serving churches, ministries, Christian schools, SMEs, NFPs and individuals has empowered us with 9valuable insights and experience. Our market-leading products and services reflect our expertise.

Over 3000 Australian churches, ministries, Christian schools, SMEs, NFPs, and individuals have trusted us to deliver financial services. Hear what our customers say about us.

Our long-standing staff carry a wealth of knowledge and experience. We’re actively living out our values and passionate about what we do every day to help protect, grow and serve you.

Our commitment to delivering prudent guidance, no matter the challenge. We listen, guide and walk with you to consistently deliver the best possible solutions tailored for your needs.

• Comprehensive protection for your property and public liability risks.
• Claims will be paid, with special consideration given to unusual circumstances
• Access to a fully funded, re-insured, ASIC regulated programme
• Access to industry qualified professionals who understand church, school and ministry
• Access to Consumer Protection and Dispute Resolution Services

A comprehensive Protection Wording clearly outlines the scope of protection being provided. Therefore a member has confidence that a claim which falls within the terms of the Protection Wording will be paid.

To ensure that the significant values protected by the Mutual are covered, ACS Mutual purchases significant amounts of both insurance and reinsurance support from traditional insurance and reinsurance markets. Our ability to access both the direct (General) insurance markets and the very large global reinsurance markets is an additional advantage, providing stable protection and prices.

ACS Mutual is fully funded and backed by multi-layered re-insurance programmes through reputable Australian and international providers.

With Discretionary Cover, ACS Financial reserves judgement, to pay or not to pay on claims. Aligning with our Christian values and mission, we sensibly consider each case based on its individual merit. Therefore, we may pay out on claims where other providers would traditionally decline them based on exclusions under a standard policy.

Furthermore, all members are protected by a comprehensive Product Disclosure Statement. This clearly outlines the scope of cover provided, which gives members the confidence that claims within this wording will be paid out.

There are sometimes claims that fall into a ‘grey area’, which would usually be declined by a traditional insurer. In these cases, under a Discretionary Mutual, the board can apply reasonable consideration and payout on claims deemed appropriate.