One of the greatest concerns when settling insurance claims is handling medical coverages. Churches sometimes assume that they’re responsible to pay all medical bills. However, the injured person may receive a double payment (coverage from both his or her own health insurance and your church insurance). By helping Brotherhood Mutual pay only valid claims and avoid duplicate payments, you can assist in keeping your insurance costs down. Remember, your insurance costs are directly affected by the frequency and severity of claims paid on your behalf.
Advise the injured party that you’ll notify your insurance agent. Avoid making statements about who’s at fault. Don’t discuss your policy benefits or limits with anyone; let Brotherhood Mutual handle this.
There may be times when people injured on church premises don’t have adequate insurance or incur out-of-pocket expenses. To protect your church’s goodwill, Brotherhood Mutual provides “premises medical payments” coverage, with many churches selecting limits of $5,000 per person injured. This coverage helps pay medical expenses even if you weren’t negligent in causing the injury.
Note: Premises medical insurance may accompany the purchase of any liability policy.
If an injury occurs on your premises or at a church-sponsored activity, follow these steps:
When you contact your Brotherhood Mutual agent to report an injury, be prepared to provide the following information:
In addition, if you know where the injured party was treated and whether or not the injured party has medical insurance, please provide this information.
All property and liability coverages are subject to conditions, coverage limits, limitations, and exclusions. For precise details of coverage, please refer to actual policy forms.
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.
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