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Here to Help Christian Ministries Thrive
Insuring 65,000+ Churches
and Related Ministries.
You are called to build the Kingdom.
We are called to protect you in that mission.As a specialist in ministry-focused insurance, we use a comprehensive approach to custom-build policies which protect your people, property, and reputation.
People
Our liability policies are carefully crafted by ministry specialists to fill coverage gaps and protect your people from the unique risks faced by Christian organizations.
Property
Beyond basic financial protection for your building, our property insurance provides the support you need for holistic recovery and continued ministry.
Reputation
We're in the business of protecting your ministry from anything that might threaten your ability to serve confidently and effectively — before, during, or after an incident.
Serving Christian Ministries
Explore some of our innovative insurance products, services, and risk management resources.
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Property and Liability Insurance
Property Coverages:
Brotherhood Mutual's property insurance programs offer protection for your buildings, property, and belongings. You can customize your insurance package to meet your ministry’s specific needs. Here are just a few of the many optional coverages we offer:- Flood, Backup, and Subsurface Water Damage Coverage
- Earnings and Donation and Extra Expense Coverage
- Alternative Energy Equipment Coverage
- Educational Property Coverage
Liability Coverages:
Liability insurance fills in the gaps and protects your leaders, employees, board members, and volunteers against claims of bodily injury or property damage liability. A few optional coverages we offer include:- Employment Practices Liability Coverage
- Worldwide Liability and Medical Extension
- Religious Freedom ProtectionSM Coverage
- Membership Emotional InjurySM Liability Coverage
- Directors and Officers Liability Coverage
- Security Operations Liability Coverage
- Traumatic Incident ResponseSM Coverage
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Commercial Auto Coverage
For many churches and related ministries, automobile accidents are the cause of the most serious injury to people and damage losses to property. Brotherhood Mutual offers several commercial auto protection options for the vehicles your organization owns. Ask your local agent for more information about:
- Vehicle Liability Coverage
- Uninsured/Underinsured Motorist Coverage
- Vehicle Medical Payments Coverage
- Personal Injury Protection (No-Fault) Coverage
- Vehicle Physical Damage Coverage
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Workers' Compensation
Workers' Compensation Coverage provides the following benefits for employees in relation to work-related injuries or diseases that are specified by state law: medical benefits, disability benefits, rehabilitation benefits, and death benefits. (Not available in OH, ND, WA, and WY)
- Workers' Compensation Protection
- Employers' Liability Insurance
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Mission Protection
Your ministry extends beyond the walls of your building. Which means sharing your heart may take you halfway around the world to staff a medical clinic or a long-term disaster recovery project. Brotherhood Mutual helps you find the options that best fit your needs:
- Medical, foreign property, and liability insurance for your group or organization
- International Medical Coverage/Accidental Death and Dismemberment
- Employers Responsibility Coverage
- Kidnap and Ransom Coverage
- Medical, Political, and Security Evacuation
This is a brief description of coverages offered through Brotherhood Mutual Insurance Services, LLC in relationship with other insurance carriers and service providers.
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Payroll Services
MinistryWorks® is a full-service payroll and tax filing service that specializes in serving Christian ministries. Customers are paired with their own personal payroll specialists, who can help them avoid costly mistakes and IRS violations. Services include:
- Payroll Processing
- Payroll Tax Filing
- Time and Attendance
- Health Care Reporting
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Medical Payments
Basic Medical Payments Coverage helps when a person, other than an employee, is injured on your ministry’s owned or rented property. This coverage is part of your general liability insurance. It also applies to bodily injuries that result from your ministry’s operations or activities. In addition to this general coverage, the following three options are available:
- Athletic Medical Payment Coverage
- Student and Day Care Medical Payment Coverage
- Clergy Accidental Death Benefit
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Cyber Liability
Cyber Liability can protect you against claims resulting from your ministry’s activities related to computer use and electronic data.
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Employee Health Benefits
Employee Health Benefits plans are customizable to meet the needs of individuals and families, all to help you better care for your people and steward resources back into your ministry.
Brotherhood Mutual Insurance Company has strategically aligned with Remodel Health and Eversurance, LLC to help Christian ministries in the search for affordable health benefits.
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