Workers’ compensation designed for your Christian ministry
Workers’ compensation insurance can proactively protect churches like yours from potentially devastating financial losses that could affect your ministry and your staff.
Any lost wages resulting from a covered accident or injury at work will be paid at the rate, timing, and within the limits of each state’s specific workers’ compensation laws.
Medical Treatment and Rehabilitation Benefits
If an employee is injured (or suffers from a work-related disease) while in the course and scope of employment, workers’ compensation coverage covers all medical and ancillary medical treatment at 100%.
Death Benefits
In the tragic event of a workplace accident or injury resulting in a fatality, each state has its own specific laws for the payment of burial and surviving dependent benefits under workers’ compensation.
Lost Wages
Any lost wages resulting from a covered accident or injury at work will be paid at the rate, timing, and within the limits of each state’s specific workers’ compensation laws.
Medical Treatment and Rehabilitation Benefits
If an employee is injured (or suffers from a work-related disease) while in the course and scope of employment, workers’ compensation coverage covers all medical and ancillary medical treatment at 100%.
Death Benefits
In the tragic event of a workplace accident or injury resulting in a fatality, each state has its own specific laws for the payment of burial and surviving dependent benefits under workers’ compensation.
*Note: Brotherhood Mutual Workers’ Compensation insurance is not available in all states.
Avg cost of fracture, crush, or dislocation claim1
$62,240
Avg cost of burn injury claim1
$52,161
Avg cost of slip and fall injury claim1
$49,971
1 “Workers’ Compensation Costs.” National Safety Council Injury Facts®, 7 October 2023, https://injuryfacts.nsc.org/work/costs/workers-compensation-costs.
Because we are ministry specialists, we offer the service and expertise ministries need to navigate the claims process. Our guidance is especially crucial, since claims often require:
A purpose-centered approach to serving
Understanding of ministry worker roles
Timely filing to avoid penalties
Guidance on complex forms
label Pay-Go
Pay-Go
Avoid overpaying or underpaying premiums
By bundling both Brotherhood Mutual Workers’ Comp Insurance with Brotherhood Works payroll service, customers receive Pay-Go, a free, exclusive feature for pay-as-you-go premiums.
Premium is calculated based on each payroll
Payment is withdrawn automatically
Receive an annual audit report for review
Managing costs of workers' compensation insurance
Review job classifications annually
Incorrect worker classification can cost you money. Since premiums are largely based on job classifications, a review ensures that seasonal, part-time, and full-time workers are classified correctly.
Review your policy regularly
This helps ensure that your premium accounts for new hires, departures, and promotions. TIP: Using a pay-as-you-go method ensures you pay the correct premium with each pay cycle.
Ask questions and be proactive
Talk to a Brotherhood Mutual agent about ways to reduce risks associated with worker injuries.
Workers' compensation is insurance that provides for medical bills, lost wages, and other costs associated with injuries to employees as a direct result of performing their jobs. Employers pay for this insurance.
Requirements vary by state, number of employees, and type of industry. It’s important to research individual states’ laws since violations can carry prohibitive fines and penalties, lawsuits, or criminal charges.
Carrying workers' compensation, even if your ministry is not required, makes good financial sense. Without it, a ministry increases its liability for an injured employee's medical bills and lost wages plus expenses associated with legal action—all of which become out-of-pocket costs.
More ways to serve your ministry
Employee Benefits
Support your staff with options for health, life, dental, vision, and more.
