It's our ministry
to protect yours.

Insuring America's Churches
and Related Ministries.

First Prairie Creek Baptist Church
Kevin Dobson

“The rebuilding process went fairly smoothly for us. From the first phone call through receiving the last check from Brotherhood Mutual, I was always left with the impression that Brotherhood Mutual cared about our church and wanted to help out in any way they could.”

Concordia Lutheran Church
Bill Tucker
Senior Pastor

“Brotherhood Mutual is vested in ministry. They provide services that make our ministry better, safer. It allows us to focus on what we’re called to do, with the absolute confidence that they’re faithfully attending to the details. It gives us a level of confidence so that we can do the things we need to do and know at the same time, we’re being great stewards of the resources that God provides.”

Protect your people, property, and reputation.

Brotherhood Mutual is a leading property and liability insurer for Christian churches, schools, colleges, camps, and ministries. Since 1917, we've been inspired by Paul's charge to the Galatians to "bear one another's burdens and so fulfill the law of Christ."

For us, insurance is more than a contract. Every policy we write, every decision we make is made out of a deep love for the Church and its future.

We're here to serve you, so you can continue to make an impact in your community for years to come.


Property and Liability Insurance

Property and Liability Insurance

Each Brotherhood Mutual insurance policy is a package of Property and Liability coverages. Ask your agent to help you select the coverage options that best need your ministry’s needs, starting with basic, broad, or special peril.

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 churches, Christian schools, colleges, camps, and nonprofits:

  • Flood, Backup, and Subsurface Water Damage Coverage
  • Earnings and Donations and Extra Expense Coverage
  • Alternative Energy Equipment Coverage
  • Educational Property Coverage

Liability insurance fills in the gaps and protects your organization’s 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
  • Membership Emotional InjurySM Liability Coverage
  • Worldwide Liability and Medical Extension
  • Directors and Officers Liability Coverage
  • Security Operations Liability Coverage
  • Traumatic Incident ResponseSM Coverage
Commercial Auto Insurance

Vehicle 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 ministry, school, or camp owns. Ask your local agent for more information about:

  • Vehicle Liability Coverage
  • Uninsured/Underinsured Motorists Coverage
  • Vehicle Medical Payments Coverage
  • Personal Injury Protection (No-Fault) Coverage
  • Vehicle Physical Damage Coverage (Comprehensive and Collision)
Workers Compensation

Workers' Compensation

Employee Benefits
Most states require churches and related ministries to purchase workers’ compensation insurance for their employees, including clergy.*

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
  • Death benefits

Employers' Liability Insurance is included in your worker’s compensation policy and protects your ministry if it is sued as the result of an employee's job-related injury or illness.

Protect your ministry and your employees. Contact a local agent to learn more about workers' compensation coverage.

*Not available in all states.

Mission Protection

Complete 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 mission program and your budget including:

  • 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

We also provide medical coverage, travel insurance, and trip services through Faith Ventures®, our collaboration with Fly for Good®, for foreign or domestic short-term or long-term mission travelers. Faith Ventures plans begin as low as $30.

Payroll Services

Payroll Services

MinistryWorks is a full-service payroll and tax filing service that specializes in serving Christian ministries. MinistryWorks customers are paired with their own personal payroll specialists, who can help them avoid costly mistakes and IRS violations. Save time, save money, and get it right by switching to MinistryWorks. Services include:

  • Payroll Processing
  • Payroll Tax Filing
  • Time and Attendance
  • Health Care Reporting
Medical Payments

Medical Payments

Basic Medical Payments Coverage helps when a person, other than an employee, is bodily 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

What Customers Say

  • “Flatirons is rapidly expanding with new campuses and a school. Our agent and Brotherhood Mutual have been with us every step of the way, helping us make sure we’re here to offer the types of ministries that God is calling us to provide.”

    Michael Koehn
    Chief Financial Officer
    Flatirons Community Church

    Michael Koehn
  • “Brotherhood Mutual is usually one step ahead in their coverages compared to others. The insurance package designed for our school fit our specific needs while costing us less money.”

    Birdie Lentz
    Human Resources
    Conway Christian School

    Berdie Lentz
  • “Brotherhood Mutual has taken very good care of Barclay College. They live out Christian principles like ‘love your neighbor as yourself’ in their business dealings.”

    Gayle Mortimer
    Human Resources
    Barclay College

    Gayle Mortimer

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