Provide for employees, protect your ministry.
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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
Treatment
Disability
Benefits
Rehabilitation
Benefits
Lost
Wages
Death
Benefits
*Note: Brotherhood Mutual Workers’ Compensation insurance is not available in all states.
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, https://injuryfacts.nsc.org/work/costs/workers-compensation-costs.
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:
A: 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.
A: 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.
A: 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.
The best way to manage premium costs is to ensure that you are paying the correct amount.
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.
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.
Talk to a Brotherhood Mutual agent about ways to reduce risks associated with worker injuries.
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.
You’ll discover how to:
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Thank you for your interest in Brotherhood Mutual. We appreciate the opportunity to provide your church or other ministry with an insurance quote and will reply to your request as soon as possible.
2024 Brotherhood Mutual
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2024 Brotherhood Mutual