Church Insurance
& Services

Protect your people, property, and reputation with customized insurance coverages designed specifically for Christian churches.

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You are called to build the Kingdom
and we are called to protect you.

As a specialist in ministry-focused insurance, our comprehensive approach
custom builds property and liability policies to help cover the specific risks of your church.

Coverage options for your unique ministry needs

Property

From songbooks to steeples – protect your property when something is damaged, destroyed, lost, or stolen.

Property

Combined Ordinance or Law Enforcement CoverageFlood, Backup, and Subsurface Water Damage CoverageEarnings and Donations and Extra Expense CoverageEarthquake CoverageAnd more

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Liability

Safeguard your people and your finances from the unique risks Christian ministries face.

Liability

Employment Practices Liability CoverageReligious Freedom Protection^SM CoverageMembership Emotional Injury^SM Liability CoverageSupervision-Related Emotional Injury Liability CoverageAnd more

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Mission
Protection

Coverage for what matters most, including medical, foreign property, and liability insurance.

Mission
Protection

Worldwide Liability and Medical ExtensionTravel insurance for individuals and groupsAnd more

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An injured man sitting on the step of an emergency vehicle getting treated by a healthcare worker

Accident
Insurance

Customize an accident insurance policy that covers your people and your reputation.

Accident
Insurance

Coverage for church volunteers, children in child care operations.Ministry-sponsored sports activitiesAnd more

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Auto
Insurance

Customized commercial auto protection options for your church’s vehicles.

Auto
Insurance

Non-Owned Vehicle CoverageCommercial Auto Insurance

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Workers'
Comp

State-specific coverage that provides mandated benefits for all organizations located within the state in which your ministry operates.

Workers'
Comp

Pay-as-you-go workers’ compPayroll integration

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A woman at her desk in front of a laptop doing calculations on a desk calculator

Payroll
Services

Payroll and HR solutions from MinistryWorks®, the leading provider focused on Christian churches.

Payroll
Services

Personal Payroll SpecialistTime and AttendanceHCM (Human Capital Management)And more

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Risk
Management

Innovative risk management resources designed to help you avoid an incident altogether.

Risk
Management

Safety eNewsletterOnline Safety LibraryWebinars & PodcastsAnd more

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Trusted by churches across the U.S.

65,000+

ministries insured

105 YEARS

insuring churches

What ministry leaders are saying about us

“Brotherhood Mutual allows us to do ministry on the edge and still know that we have backup, and that's huge. They're developing products with enough foresight to see creative ministry opportunities.”

Sagebrush Community Church

“We look to Brotherhood Mutual frequently for solutions to out-of-the-box issues. We always get sound advice on how to proceed. Brotherhood Mutual is responsive, kind, and helpful. I always get a quick answer to what I think are difficult situations. Never once have I called and felt like I was bothering someone."

Timberline Church

“We’ve been a Brotherhood Mutual customer for more than 30 years. They have a great product with competitive pricing, and they’re responsive to our claims. I’ve always had a good experience with Brotherhood Mutual.”

Geyer Springs First Baptist Church

Ministry-Focused Risk Management

It’s one thing to have the coverage you need when something goes wrong. It’s another to be supported by an insurance provider that’s dedicated to helping you avoid an incident altogether. These are just a few of the ways we help your ministry operate safely and effectively.

Legal Assist^SM

Get risk management guidance that’s timely, helpful, and FREE*. Our in-house legal team developed Legal Assist as a free service to help Christian ministries, whether a customer or not.

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Safety Library

Our online Safety Library houses hundreds of articles, checklists, sample forms, guidebooks, and webinars to help you guide and protect your church.

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Employment Practices Guide

This tool was designed to help Christian employers review their employee handbook or to create one from scratch. It features more than 60 free sample policies, plus a primer on employment laws.

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*Important information: Brotherhood Mutual is pleased to provide Legal Assist as a complimentary resource. The services we offer through Legal Assist are intended to provide general legal information to our current and prospective policyholders. The information we provide is intended to be helpful, but it does not constitute legal advice and is not a substitute for the advice from a licensed attorney in your area. Accordingly, no attorney/client relationship is created through this process, and no legal advice will be provided. We strongly encourage you to regularly consult with a local attorney as part of your risk management program.