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About ARM

About ARM

Who We Are

Adventist Risk Management®, Inc. is the official insurance and risk management company for the Seventh-day Adventist Church and Adventist ministries around the world. We provide timely, real-world insurance products and innovative risk management solutions for minimizing risk within Adventist ministries at all levels. We recommend best practices to eliminate oversights that can lead to costly accidents.

Our Mission

Our mission is to protect the ministries of the Seventh-day Adventist world church. We don't view what we do as just a business. Our ministry is to protect your ministry.

Our History

Providing insurance and risk management solutions for the Seventh-day Adventist Church and its ministries since 1936.

Discover Our History

Who We Serve











The Adventist Risk Management, Inc. Advantage

Professional Team

Our global team of trained Adventist professionals has years of insurance and risk management experience and hold industry recognized designations and licenses.

Present at all levels

We work with organizations at all levels within the Adventist Church structure to protect members from the local church to the world church and everyone in between.

Customized Coverage

Our products are tailored to meet the unique needs of Adventist organizations and personalized to cover the risks affecting each ministry.

Free Resources

We stay alert to risks that could affect your ministry and create safety resources to educate and prevent costly and damaging accidents before they happen.

More than 80 years of experience

We have provided timely, real-world insurance and innovative risk management solutions for Seventh-day Adventist Church ministries since 1936.

24-Hours Claim Service

Day or night, we are ready at a moment’s notice to assist with claims reporting. Call 1-888-951-4ARM (4276).

Our Leadership Team

VP | Chief Human Resources Officer

Andrea Ashman

Andrea Ashman

VP | Chief Human Resources Officer
Andrea Ashman is the Vice President, Chief Human Resource Officer for Adventist Risk Management, Inc. (ARM). Ashman provides leadership in the area of human resources for ARM’s 127 employees, based in four offices around the world. Ashman is specifically responsible for strategic human resource planning, talent acquisition, employee professional growth, best human resources practices, and continuing ARM’s focus on a positive work environment.

Ashman began her service at ARM in 2008. She has a bachelor’s degree in business administration from the University of Technology in Jamaica and a master's degree in human resources from Capella University. Ashman is also a SHRM Certified Professional (SHRM-CP).
VP | Chief Legal Officer

Bob Burrow

Bob Burrow

VP | Chief Legal Officer

Bob Burrow provides administrative leadership for the Claims Services and Legal Services departments, and serves as ARM’s General Counsel.

Burrow has worked for ARM for 25 years on three different occasions the most current being 2002 to the present. Burrow holds a Bachelor of Science (Business Administration) from Washington Adventist University and a Juris Doctor degree from the University of Maryland at Baltimore.

Burrow is admitted to practice law in Maryland (both state and federal courts) and the District of Columbia.

VP | Chief Client Care Officer

David Fournier

David Fournier

VP | Chief Client Care Officer

David Fournier is the Vice President, Chief Client Care Officer for Adventist Risk Management Inc. (ARM). Fournier is specifically responsible for assessing and implementing the delivery of products and service programs for all products of the Company, with exception to South America. He is responsible for the risk control and education programs of ARM. Other responsibilities include annual and long term planning, measuring quality of performance and correcting unfavorable deviations in performance for assigned departments.

Fournier began his service with ARM in 2004. He graduated from Southern Adventist University, and holds a Maryland Property and Casualty producer license.

VP | Chief Financial Officer

Andrew Moll

Andrew Moll

VP | Chief Financial Officer

Andrew Moll is the Vice President, Chief Financial Officer for Adventist Risk Management, Inc. (ARM) and GENCON Insurance Company of Vermont (GICV). He is a key point of contact on financial transactions with vendors, assists in planning, implementing, and monitoring ARM departmental budgets, as well as provides leadership of ARM’s Financial Services department.

Since joining ARM in 2013, Moll worked as Senior Accountant, Financial Analyst, Internal Auditor, Staff Accountant, and Corporate Treasurer. He is a graduate of Andrews University and holds several designations including CPA and CPCU.

VP | Chief Information Officer

Tony Vargas

Tony Vargas

VP | Chief Information Officer
Tony Vargas is an IT professional with more than 25 years of experience including support and management of critical technologies in Virtualization, Storage, VoIP, Disaster Recovery, Privacy and Security. He has applied these skills in varying business sectors including Government, Public Safety, Healthcare and the Insurance industry.

Board of Directors

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Our Companies

Adventist Risk Management®, Inc. is the primary operating company that provides staffing and other services to the Gencon family of companies.



With assets of more than $100 million and annual gross written premiums exceeding $95 million, the Gencon Insurance Company of Vermont is a vital risk management entity for the Seventh-day Adventist Church, insuring against a multitude of liabilities and risks for denominational organizations worldwide.



A subsidiary of Gencon Insurance Company of Vermont, is a Gibraltar-based captive insurer issuing liability insurance policies to Seventh-day Adventist organizations located in Europe, Australia and New Zealand.

ARM Sul-Americana

ARM South America serves as the operating company for South America and provides risk management and insurance services for Seventh-day Adventist entities throughout South America. Unibrás Corretora de Seguros Ltda. as an insurance broker, provides insurance products to the church in South America.

How to File a Claim

Step 1
Select your insurance product
Step 2
On product page, select the “Claim Forms” tab and download the form for your claim type.
Step 3
Follow form instructions