Insurance for Christian colleges & universities
Our holistic approach custom-builds property and liability policies to meet the unique needs of Christian colleges and universities.
67,000+
Ministries insured including colleges and universities
65+ years
Insuring colleges

Guided by Faith, Driven by Excellence
To protect your institution, educational values, and budget, you need a trusted insurance advisor that understands higher education in a Christian ministry setting.
Looking for all of our services? View options for insuring your ministry or for caring for your people.
Optional coverages to fill gaps in your policy
Administrator Accidental Death Coverage
Provides death benefits for expenses associated with the accidental death of a key administrator.
Athletic Medical Coverage
Pays medical expenses for college students injured during school-related activities. Can add coverage for intramural and intercollegiate sports injuries.
Counseling Liability Coverage
Pays damages and counseling fees when someone makes a claim of bodily, emotional, or personal injury related to counseling services, provided in person, by telephone, or online.
Cyber Liability
Options available to provide you with the optimal protection that colleges need to address breach response costs, data recovery, fines, and more.
Educational Property Coverage Package
Covers various athletic structures, equipment, and devices used for education, musical, or athletic purposes.
Earnings and Donations and Extra Expense Coverage
Covers actual loss of earnings (tuition, donations, etc.) and extra costs caused by a covered loss that interrupts the institution’s operations.
Employment Practices Liability
Provides protection for covered claims of emotional or personal injury, or financial damages resulting from an employment relationship.
Religious Freedom ProtectionSM Coverage
Provides safeguards against emotional injury claims from religious activities and alleged discrimination.
Sexual Acts Liability Coverage
Pays damages resulting from sexual misconduct or harassment claims and provides funds for victim care.
Special Clergy or Employed Staff Resident Coverages
This set of coverages provides unique property and liability protections if your educational institution provides housing for clergy, faculty, or staff.
Traumatic Incident Response Coverage
Covers counseling, security, and other expenses that commonly follow a traumatic incident, such as student death, active shooter, or life-threatening injury causing death or sudden absence.
Worldwide Liability & Medical Extension
Extends nearly all of the liability and medical coverages when added to a Brotherhood Mutual insurance policy.
Administrator Accidental Death Coverage
Provides death benefits for expenses associated with the accidental death of a key administrator.
Athletic Medical Coverage
Pays medical expenses for college students injured during school-related activities. Can add coverage for intramural and intercollegiate sports injuries.
Counseling Liability Coverage
Pays damages and counseling fees when someone makes a claim of bodily, emotional, or personal injury related to counseling services, provided in person, by telephone, or online.
Cyber Liability
Options available to provide you with the optimal protection that colleges need to address breach response costs, data recovery, fines, and more.
Educational Property Coverage Package
Covers various athletic structures, equipment, and devices used for education, musical, or athletic purposes.
Earnings and Donations and Extra Expense Coverage
Covers actual loss of earnings (tuition, donations, etc.) and extra costs caused by a covered loss that interrupts the institution’s operations.
Employment Practices Liability
Provides protection for covered claims of emotional or personal injury, or financial damages resulting from an employment relationship.
Religious Freedom ProtectionSM Coverage
Provides safeguards against emotional injury claims from religious activities and alleged discrimination.
Sexual Acts Liability Coverage
Pays damages resulting from sexual misconduct or harassment claims and provides funds for victim care.
Special Clergy or Employed Staff Resident Coverages
This set of coverages provides unique property and liability protections if your educational institution provides housing for clergy, faculty, or staff.
Traumatic Incident Response Coverage
Covers counseling, security, and other expenses that commonly follow a traumatic incident, such as student death, active shooter, or life-threatening injury causing death or sudden absence.
Worldwide Liability & Medical Extension
Extends nearly all of the liability and medical coverages when added to a Brotherhood Mutual insurance policy.
Get coverages designed for Christian higher education. Request a quote.
We protect your Kingdom work.
We are committed to serving Christian colleges and universities by offering coverages designed to protect your institution, while also offering exceptional value to help you manage costs.
What higher education leaders are saying

Dr. Gary Bailey
Biblical Life Institute
“We choose Brotherhood Mutual based on the combination of service and cost.
Because Brotherhood Mutual is focused on serving Christian ministries, I feel confident Brotherhood Mutual understands the values of my organization as well as the unique needs we have as a Christian organization.”

Gayle Mortimer
Barclay College
“Barclay College has students who go on international mission trips.
Brotherhood Mutual has short-term policies for such trips that are painless to request, receive, and are reasonably priced.”

Dr. Michael W. Newman
Texas District LCMS
“We were seeking the best possible stewardship of our resources and found the price and service from Brotherhood Mutual to be outstanding.
We appreciate their clear communication and a sincere interest in our ministry. In addition to high quality coverage, we value the relationship and resources provided. It is truly a ministry partnership.”
Protect your university
The coverage descriptions in this overview are intended to help school leaders better understand Brotherhood Mutual’s MinistryFirst® insurance program. They do not provide insurance coverage of any kind, nor do they modify the terms of any Brotherhood Mutual policy. All property and liability coverages are subject to conditions, coverage limits, limitations, and exclusions. For complete insurance coverage details, please refer to actual policy documents. Coverage for actual claims will be based on applicable policy documents applied to the individual facts of an actual claim event. Some coverages may not be available in all states.
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