churches are considered to be open to the public and are required to comply with annual state elevator testing regulations.
Insurance can be complicated. We’re here to help you understand the basics, so you can make the best decision for your ministry.
An insurance policy is an agreement between your ministry and an insurance company. It’s a contract. For example, if your building catches fire, your insurance company promises to help you restore or replace it, so that your ministry doesn’t bear the overwhelming expense alone.
Not all insurance policies are alike. Some policies may be better suited to a business than to a church. Because Christian churches, schools, and camps face unique risks, consider working with an insurance agent who understands the needs of Christian ministries like yours.
Look for a company that keeps its promises. You want an insurance policy backed by a company that’s financially sound, provides excellent service, and specializes in meeting the needs of ministries.
A mutual insurance company is not owned by shareholders, but rather by policyholders—the customers the company serves.
As a mutual company, we at Brotherhood Mutual hold ourselves accountable to our policyholders, and the promise that we’ll be here for them when they need us most. Our customers’ insurance premium dollars go into a policy reserve fund, and that money is used to protect and rebuild after policyholders suffer losses. To paraphrase Galatians 6:2, our customers’ premium dollars help to bear the burdens of other Christian ministries.
A good agent can be a valuable asset. Choose one who is independent, understands risk management, and specializes in church insurance.
When interviewing potential agents, ask to speak to a few of their customers. By talking to the agents’ customers, you may learn whether you’re dealing with a salesperson or a trained professional. The agent should be able to provide several customer references. Determine how satisfied the customers are with their agent. Are calls returned promptly? Is the agent knowledgeable, able, and willing to answer questions? If there has been a claim, was it handled quickly, fairly, and courteously? Has the agent become familiar with the ministry?
Thank you for your interest in Brotherhood Mutual. We appreciate the opportunity to provide your church or other ministry with an insurance quote and will reply to your request as soon as possible.
Text to follow...