All auto liability and property and liability coverages are subject to conditions, coverage limits, limitations, and exclusions. For precise detail of coverage, please refer to actual policy forms. All coverages are not available in all states.
$1,000,000*
in auto coverage financial protection for damages related to a covered loss.
*For precise detail of coverage, refer to your policy documents.
Bring us along for the ride.
Because we are ministry specialists, Brotherhood Mutual offers:
Guidance to help you navigate the claims process
A purpose-centered approach to getting you back on the road
Understanding of how ministries use their vehicles
A commercial auto policy provides property damage and bodily injury liability coverage and optional comprehensive and collision coverage. It is required to insure vehicles owned and registered under a ministry organization’s name. It extends liability coverage to your employees and volunteers when operating the ministry’s owned vehicles.
No, commercial auto coverage is only available as a separate policy.
If the missionary has a current U.S. driver license, has held it for at least three years, and is driving a ministry vehicle for a short time, then typically, yes. Ensure the vehicle that the missionary is allowed to use is classified appropriately under your policy because other conditions may apply.
Start by making a list of drivers who will be primary and occasional users of ministry vehicles. Complete a background check, including reviewing motor vehicle reports, for all potential drivers. You will submit information for the group of primary drivers. The information of your occasional drivers—those that drive less than 12 times per year—does not need to be submitted, but we still recommend completing a background check.
More ways to serve your ministry
Property & Liability
Coverage constructed to fill gaps that leave ministries vulnerable to risk.
