MinistryEssentials ®

When you’re focused on the essentials … your insurance can be, too.

Request a MinistryEssentials Quote


Customizable. Affordable. Essential.

MinistryEssentials® is specifically designed for value-conscious ministries, offering key property and liability protection at a competitive price.

Crafted for ministries interested in covering the essentials, this program is scaled to meet the needs of churches with more basic operations, yet it offers many of the coverages available to large ministries.

MinistryEssentials offers an assortment of options that let you choose the level of coverage that best fits your ministry.

MinistryEssentials provides coverage for:

  • Property
  • General Liability – Such as injuries to people or damage to property caused by ministry representatives
  • Key supplemental and additional protections – Optional coverages are available.

You also can choose from many optional coverages to meet the needs of your ministry including the following:

  • Builders’ Risk – provides coverage when you are engaged in construction projects.
  • Ordinance or Law – pays for the extra expenses associated with complying with local law and code requirements after part of your facilities have been destroyed by a fire or a weather disaster.
  • Ministry Personnel Dishonesty – covers losses associated with employee theft.
  • Theft of Money and Securities – covers losses related to theft or fraud committed against your ministry.
  • Athletic Medical Expenses – provides coverage for medical expenses resulting from bodily injury that a participant sustains while engaged in your ministry's athletic activities.
  • Directors and Officers Liability – covers specific claims of financial damage resulting from decisions that your ministry's leaders have made.
  • Employment-Related Sexual Harassment Liability – extends employment-related sexual harassment and sexual acts liability coverage to include bodily, emotional, or personal injury claims made by a past or present employee or job applicant against a person covered under your policy.
  • Non-Owned Vehicle Coverage – adds insureds required by an auto lease company.

Contact your local Brotherhood Mutual agent today for a quote. Need to find an agent near you? Contact us and we'll help you get connected.

Request a Quote Download MinistryEssentials® Fact Sheet

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.