Protect Your People

Ministry doesn’t always go according to plan. When an accident occurs during church, school, or camp activities, these excess Accident Insurance plans will help by providing coverage for medical expenses associated with accidental injuries, with deductibles as low as $0.

Accident Insurance can cover:

Church volunteers, children in child care operations, and ministry-sponsored sports activities
Full coverage details

Registered and enrolled college students and student-athletes
Full coverage details


K-12 Christian school students and student-athletes
Full coverage details

Camp participants, counselors, and volunteers
Full coverage details


Accident Insurance can help with the following medical expenses associated with a covered injury:

  • Hospital bills, including room and board

  • Emergency room and outpatient treatment

  • Medical or surgical treatment by a licensed doctor

  • Prescription drugs and medicines

  • Care for dental injuries

  • Ambulance expenses

Coverage applies on an excess basis, after all other applicable health care plans are exhausted. If no other health care plan or policy exists, coverage will be payable like primary coverage. Additional and optional benefits may also apply. Coverage is subject to policy terms, conditions, and limitations.

Protect the people who make your organization what it is. Contact your Brotherhood Mutual agent to learn more about these accident insurance plans.


Covered expenses must be incurred within the time period specified in the policy forms. This information is a brief description of the important benefits and features of the Blanket Accident Medical Insurance underwritten by QBE Insurance Corporation (QBE) and made available in coordination with Brotherhood Mutual Insurance Company and Brotherhood Mutual Insurance Services. It is not a contract and does not provide insurance coverage of any kind, nor does it modify the terms of any Brotherhood Mutual policy. Full terms and conditions of coverage, including effective dates of coverage, benefits, limitations, and exclusions, are set forth on policy form, BAM-03-1000 et seq. Any policy QBE offers to issue will be subject to the laws of the jurisdiction in which it is issued. QBE may (1) not be able to offer this coverage in all states and (2) elect at its sole discretion not to offer or quote any specific benefit amount or risk. Please contact your agent or local administrator for the availability of coverage in your state.