Property
& Liability Coverage

Not every insurance policy is the same, but they’re often sold that way. We construct our coverages to fill the gaps that can leave ministries vulnerable to risks.

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You are called to build the Kingdom.
We are called to protect you.

Each MinistryFirst® policy is a package of Property and Liability coverages. Your agent will help you select the coverage options that best meet your ministry’s needs, starting with basic, broad, or special property coverage.

A Few of Our Distinctive Coverages

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Ministry
Continuation

While your general property insurance may cover building damage, it typically does not provide the money needed to continue your ministry during the restoration period. Additional coverages can help fill that gap to protect your church’s finances and to help you continue meeting together.

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Religious
Freedom

Religious Freedom ProtectionSM Coverage not only provides safeguards against claims of emotional injury arising from faith-based communications and activities, but it also offers assistance in legal matters concerning alleged discriminatory acts rooted in sincerely held beliefs.

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Diminishing
Deductible

Get rewarded for ministry safety. If you’ve operated your ministry without a payable claim for two years or more, we reduce your deductible on a future covered claim. The longer the loss-free period, the higher the reduction — up to $2,500. Talk to your agent for details.  

 
 

Property Coverage

Whether you choose basic, broad, or special peril property coverage,
you can customize your insurance package for your organization.

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Perils Basic Broad Special
Aircraft and sonic boom damage
Explosions, fire, and smoke damage
Hail, lightning, and windstorm damage
Riot/civil commotion, vandalism
Sinkhole collapse, volcanic action
Vehicle damage
Sprinkler leakage
Falling objects
Glass breakage
Weight of ice, sleet, or snow
Water damage from a system or appliance
All direct physical perils that are not specifically excluded in the policy
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Liability Coverage

Brotherhood Mutual Property Coverages are packaged with General Liability Coverage.

General Liability coverage protects your organization, leaders, employees, appointed representatives, and volunteers against claims of bodily injury or property damage caused by negligent acts, errors, or omissions of your ministry and its representatives. Coverage includes:

  • Bodily injury and property damage liability
  • Products/completed works liability
  • Medical payments coverage
  • Fire legal liability

You can customize your policy with dozens of optional endorsements that align with your organization's unique needs. Contact us to be put in touch with a ministry-focused insurance agent who can assess your needs and design a policy package for you.

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Disclaimer: All 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.

 

Helping Ministries Thrive

As a mutual insurance company, we’re owned by the Christian organizations we serve. That means your premium dollars help protect and rebuild other ministries’ Kingdom work around the country in the wake of disaster.

 

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Understanding Your Insurance

Don't know where to start? Let us help you out with some key information and questions insurance buyers like you have!

Get answers to questions such as:

  • What am I buying?
  • What should I look for in an insurance company?
  • What should I look for in an insurance agent?

Learn More >

Your Brotherhood Mutual agent can walk you through various coverage options and limits, and create the right insurance protection for your ministry.

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2023 Brotherhood Mutual

2023 Brotherhood Mutual