Your ministry's beliefs are securely rooted in biblical truth. This important coverage provides necessary support for when they are challenged.
Protect belief-based decisionsReligious Freedom Protection Coverage pays damages and legal fees for claims related to discriminatory acts and belief-based communications, decisions, and activities. It provides protection for board members, leadership, employees, and volunteers in connection with your ministry’s operations.
When added to a Brotherhood Mutual MinistryFirst® policy, it provides coverage for:
Legal costs and attorney fees incurred defending against attacks on the ministry’s belief-based decisions and practices.
Legal judgments you are obligated to pay as a result of the ministry’s religious communications, religious activities, or discriminatory acts based on your sincerely held beliefs.
Defense of claims brought by a government agency and defense costs associated with defending your ministry’s tax-exempt status.
Legal costs required by your ministry to file a declaratory judgment action to protect your rights.
Additional protections include:
Legal costs in response to targeted actions by administrative agencies.
Reimbursement for legal actions that a ministry may initiate to protect its right to pursue a belief-based decision or practice.
With more than a century of experience, Brotherhood Mutual understands the risks today’s ministries face. Guided by principles of Christian stewardship and our founding verse of Galatians 6:2, we are committed to protecting Christian churches, schools, colleges, and camps as they fulfill their purpose.
An emotional injury claim is for non-economic damages that compensate a victim for the mental suffering of an injury.
Here are a few examples of the kind of activity that Religious Freedom Protection Coverage addresses:
Religious Freedom Protection Coverage includes protections for the following persons while acting on a ministry’s behalf and for its benefit, and within the scope of their delegated authority:
Brotherhood Mutual offers an extension endorsement specifically for educational institutions. It helps pay to defend educational institutions from challenges to:
The current legal landscape already has presented several challenges to religious freedom. In fact, a significant percentage of religious freedom litigation is initiated by government agencies, such as state civil right commissions and the Internal Revenue Service.
Religious Freedom Protection Coverage is an occurrence policy. Why is that important? A claims-made policy only covers accidents and incidents submitted while the policy was in effect. An occurrence policy provides coverage for accidents and incidents that occur during the policy period, even if the policy has since expired.
Think of it this way: with a claims-made policy, you are renting the coverage for a set time period. With an occurrence policy, you own the coverage for that time period forever.
These coverage descriptions are intended to help ministry leaders better understand Brotherhood Mutual’s MinistryFirst® insurance program. It does not provide insurance coverage of any kind, nor does it modify the terms of any Brotherhood Mutual policy. For complete insurance coverage details, please refer to actual policy documents. Coverage for actual claims will be based on applicable policy documents applied to the individual facts of an actual claim event. Some coverages may not be available in all states.
From the Brotherhood Mutual legal team. Learn what current legal trends in religious freedom mean for Christian churches, schools, camps, and colleges.
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2024 Brotherhood Mutual
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2024 Brotherhood Mutual