Workers’ Compensation
for Churches and Ministries

Provide for employees, protect your ministry.

Request a Quote
Woman on the phone with a cast on her arm

State law often requires employers—including ministries like yours—
to protect their employees with workers’ compensation insurance.*


Workers' compensation coverage provides benefits for employees for work-related injuries or diseases specified by state law, including:

Medical Treatments Icon


Disability Benefits Icon


Rehabilitation Benefits Icon


Personal Injury Protection Icon


Death Benefits Icon


*Note: Brotherhood Mutual Workers’ Compensation insurance is not available in North Dakota, Ohio, Washington, and Wyoming.
These states require employers to buy workers’ compensation insurance through a monopolistic state fund.


Avg cost of fracture, crush,
or dislocation claim1


Avg cost of burn
injury claim1


Avg cost of slip and fall
injury claim1


1 “Workers’ Compensation Costs.” National Safety Council Injury Facts®, 7 October 2023,


A heart for ministry well-being

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Because we are ministry specialists, Brotherhood Mutual offers the service and expertise ministries need to navigate the claims process. Our guidance is especially crucial, since claims often require:

  • Sensitivity and a purpose-centered approach to serving your ministry well.
  • Complex forms and timely filing to avoid penalties.
  • Comprehensive understanding of ministry worker roles.

Workers' Compensation Q&A

Contact a Brotherhood Mutual agent to learn more about workers’ compensation coverage.

Request a Quote


Managing Costs of Workers' Compensation Insurance

The best way to manage premium costs is to ensure that you are paying the correct amount.

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.


Avoid Overpaying Or Underpaying Premiums

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MinistryWorks® by Brotherhood Mutual

By bundling both Brotherhood Mutual Workers’ Compensation Insurance coverage with MinistryWorks payroll service, customers receive Pay-Go, a free, exclusive feature for pay-as-you-go premiums.

  • Premium is calculated based on each payroll.
  • An adjusted premium payment for each payroll is withdrawn automatically.
  • At the end of the policy period, customers receive an annual audit report for review.
Learn about Pay-Go

Receive a Workers' Compensation Quote

Take steps to keep workers safe

You’ll discover how to:

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