As a ministry leader, you’re focused on meeting the needs of the community you serve. Sometimes, administrative responsibilities like making insurance decisions can seem overwhelming. That’s why it’s important to work with an insurance agent and carrier that you can trust to understand your ministry’s unique insurance needs. When buying insurance to protect your ministry, consider the insurance agent, the insurance company he or she represents, and the insurance program offered.
Brotherhood Mutual offers customized insurance programs to meet the unique needs of churches like yours. Other insurance companies sell policies that are designed for businesses—without modifying or adding the specialized coverages that your ministry needs.
Who does your insurance agent work for? The answer should be you, not the insurance company.
Basically, there are two types of insurance agents—captive and independent. A captive agent is a paid employee of the insurance company he or she represents. An independent agent isn’t. He or she can sell products from several insurance companies.
In order to be sure that your insurance representative is looking out for your best interests, choose an independent agent over a captive agent. Also, look for an insurance agent who specializes in church insurance. He or she will be familiar with the unique coverages your ministry needs.
Once you know what kind of insurance agent to look for, you can start talking to representatives to find the right specialist for your ministry. Here are some things to keep in mind:
Just as you should select an agent who specializes in church insurance, you should also choose a company that specializes in church insurance.
Brotherhood Mutual is a specialty insurance company that devotes its resources to serving the needs of America’s churches and related ministries. The company provides special training for its agents and offers additional services to help churches manage risks.
Brotherhood Mutual offers customized insurance programs to meet the unique needs of churches like yours. Other insurance companies sell policies that are designed for businesses—without modifying or adding the specialized coverages that your ministry needs.
Now that you’re working with an insurance agent that you trust, ask him or her to explain your options for insurance carriers. Here are some things to keep in mind as you consider your decision:
Any insurance carrier can offer coverage, but is it comprehensive enough to meet your ministry’s unique needs? That’s why it’s important to work with an agent and a company that specialize in serving churches and related ministries. As you’re considering your coverage options, look for these basics:
Automobile, workers’ compensation, umbrella/excess, and accident policies are fairly similar. However, property/ liability package policies vary widely, so you need to carefully evaluate these with your insurance agent.
Insurance is not an easy topic to grasp. You should rely on your agent to help you understand all aspects of your insurance policy, both property and liability.
Standard policies may not provide adequate coverage for pastors’ personal property, unlimited glass breakage, church personal property at a parsonage, water damage from baptistry overflow, or medical coverage for volunteer labor. Discuss these things with your agent, to make sure your ministry is properly covered.
Make sure that your policy offers special endorsements for additional coverages, too:
Check that the policy doesn’t exclude or provide low limits for claims that are a result of sexual misconduct allegations against the church.
Your insurance agent is your best source of knowledge when it comes to your insurance protection as well as safety and risk management issues within your ministry. Be sure to consult with him or her on a regular basis, so you can make sure your ever-changing, ever-growing ministry is properly covered. Need an agent? Click here.
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