label Insuring more than 89,000 properties

Insuring more than 89,000 properties

Property & liability insurance crafted for churches and ministries

From steeples to people, we’re called to protect Christian churches, schools, colleges, and camps as they serve their mission and advance their community.

Request a quote

Here are a few highlights

Ministry Continuation Coverage

Provides funds to continue your ministry operations during a restoration period by covering actual loss of earnings, donations, and expenses.

Religious Freedom Protection

Shields against emotional injury claims from faith-based acts and aids in discrimination cases tied to beliefs.

Diminishing Deductible

If your ministry is without a payable claim for two years or more, we reduce your deductible on a future covered claim.

What’s in a Brotherhood Mutual policy?

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

Property Coverage

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

Base Coverages

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

Liability Coverage

Brotherhood Mutual’s Property coverages are packaged with General Liability Coverage. General liability coverage protects your organization, leaders, staff, volunteers, and appointed representatives against claims of bodily injury or property damage caused by negligent acts, errors, or omissions of your ministry or its representatives. Coverage includes:

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

Additional liability coverages let you manage risks, based on your activities. See below.

Protecting your work wherever the Lord leads.

Request a quote

Optional property & liability coverages

Property

Liability

Alternative Energy Equipment Coverage

Covers breakdowns, physical damage, or contractual losses of solar panels, wind turbines, and more.

Combined Ordinance or Law Enforcement Coverage

Pays indirect costs due to enforcement of governmental ordinance, law, or code requirements.

Computer Coverage

Pays to repair or replace hardware or software due to virus, hacking, or input error.

Earnings and Donations and Extra Expense Coverage

Covers actual loss of earnings, donations, and extra expenses during covered operational interruptions.

Earthquake Coverage

Covers property damage caused by an earthquake or volcanic eruption event.

Equipment Breakdown Coverage

Pays for losses from heating, cooling, sound, mechanical, or electrical equipment failures.

Flood, Backup, and Subsurface Water Damage Coverage

Provides a set of limits for direct loss due to water damage from a variety of sources.

Interior Building Damage Coverage

Pays for interior and personal property damage from rain, snow, ice, sleet, sand, or dust.

Ministry Personnel Dishonesty Coverage

Covers loss of money, securities, and other property due to dishonest personnel activity.

Organizational Optional Theft Coverage

Offers coverage options for theft of money, securities, personal property, and building materials.

Sewer and Drain Back-Up Extension

Pays for damage caused by water that backs up through sewers or drains.

Unmanned Aerial Vehicle/Drone Property Coverage

Covers damage to drones used by a ministry as a part of its operations.

Alternative Energy Equipment Coverage

Covers breakdowns, physical damage, or contractual losses of solar panels, wind turbines, and more.

Combined Ordinance or Law Enforcement Coverage

Pays indirect costs due to enforcement of governmental ordinance, law, or code requirements.

Computer Coverage

Pays to repair or replace hardware or software due to virus, hacking, or input error.

Earnings and Donations and Extra Expense Coverage

Covers actual loss of earnings, donations, and extra expenses during covered operational interruptions.

Earthquake Coverage

Covers property damage caused by an earthquake or volcanic eruption event.

Equipment Breakdown Coverage

Pays for losses from heating, cooling, sound, mechanical, or electrical equipment failures.

Flood, Backup, and Subsurface Water Damage Coverage

Provides a set of limits for direct loss due to water damage from a variety of sources.

Interior Building Damage Coverage

Pays for interior and personal property damage from rain, snow, ice, sleet, sand, or dust.

Ministry Personnel Dishonesty Coverage

Covers loss of money, securities, and other property due to dishonest personnel activity.

Organizational Optional Theft Coverage

Offers coverage options for theft of money, securities, personal property, and building materials.

Sewer and Drain Back-Up Extension

Pays for damage caused by water that backs up through sewers or drains.

Unmanned Aerial Vehicle/Drone Property Coverage

Covers damage to drones used by a ministry as a part of its operations.

Broad Scope Cyber Liability Coverage

Pays costs related to defense, damages, and response due to a data breach, computer error, or e-commerce error.

Broad Scope Media Liability Coverage

Covers personal injury claims from communications, promotions, advertising, or website activity.

Damage to Property of Others Coverage

Provides coverage amounts to repair or replace property of others not under ministry control.

Directors and Officers Liability Coverage

Provides protection from claims of financial damage resulting from leaders' decisions.

Legal Liability Defense Reimbursement

Pays legal fees and costs for law enforcement investigations and specified civil lawsuits.

Membership Emotional Injury^SM Liability Coverage

Covers damages from emotional injury claims related to church membership policies and practices.

Ministry Counseling Liability Coverage

Covers liability and legal defense for emotional injury from counseling acts by pastors and laity.

Religious Freedom Protection^SM Coverage

Provides safeguards against emotional injury claims from religious activities and alleged discrimination.

Security Operations Liability Coverage

Increases medical payment and wage reimbursement limits for emergency response personnel.

Sexual Acts Liability Coverage

Pays damages resulting from sexual misconduct or harassment claims and provides funds for victim care.

Supervision-Related Emotional Injury Liability Coverage

Pays damages from emotional injury claims related to supervision failures during ministry activities.

Traumatic Incident Response^SM Coverage

Covers expenses related to traumatic incidents and provides grief counseling and facility rental.

Worldwide Liability and Medical Extension

Conveys virtually all the liability and medical coverages of a MinistryFirst policy to short-term ministry activities worldwide.