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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.

Customised 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

President, Chief Executive Officer

Tim Northrop

Tim Northrop

President, Chief Executive Officer

Tim Northrop is President/CEO for Adventist Risk Management, Inc., (ARM), and its affiliated companies, Gencon Insurance Company of Vermont and Gencon Insurance Company International, Ltd.

ARM provides risk and insurance services for the Seventh-day Adventist Church worldwide, and is owned and operated by the Adventist Church.

As president of ARM, Northrop serves as the risk manager for the Seventh-day Adventist Church, handling the full range of church risks. He provides leadership to more than 150 employees in three offices: Silver Spring, Maryland, St. Albans, England and Brasilia, Brazil.

Northrop provides officer leadership to the Insurance Services, Claims and Legal, as well as Healthcare and Benefits functions of ARM.

Northrop joined ARM in 2001 and has held positions in Underwriting, Placement Services and Field Services. Most recently, Northrop was Senior Vice President and Chief Insurance Operations Officer. In his position, he led the insurance underwriters and placement services teams as well as all sales efforts for ARM through its Client Services programme.

Prior to joining ARM, Northrop, a Business Administration graduate of Southwestern Adventist University, worked for Huguley Hospital in Fort Worth, Texas. Northrop has designations as an Associate in General Insurance and Associate in Risk Management.

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 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 for financial transactions with vendors, assists in planning, implementing and monitoring ARM departmental budgets, as well as providing leadership of ARM’s Financial Services department.

Since joining ARM in 2013, Moll has 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