UPDATED: Nov 30, 2018
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About Brotherhood Mutual
Brotherhood Mutual was founded in 1917 by a Mennonite group, and has their headquarters in Fort Wayne, Indiana. They have since grown to be the second largest insurer of Christian churches and related institutions. They provide coverage for the churches themselves, schools, missions, camps, and more.
Not surprisingly, Brotherhood Mutual operates on a faith-based values system. Their products are available in 46 states and the District of Columbia and include property, liability, travel, commercial auto, and worker’s comp.
In addition to insurance, Brotherhood Mutual also provides legal and payroll services. In keeping with their values, the company also operates its own mission and is active in support of various charities.
Although Brotherhood Mutual writes policies for churches of all Christian denominations, they sparked controversy in 2008 after denying coverage to a church for its pro-marriage equality stance and ordination of gay ministers.
Brotherhood Mutual policies are sold through agents across the country.
Brotherhood Mutual Products
Brotherhood Mutual products are specifically designed for the needs of churches and related institutions. This includes coverage for church-owned property, vehicles, and for group travel for missionary work. The website offers a basic outline of the offered products.
Property and Liability
The base package policy includes coverage for structures and property, as well as liability to protect from a variety of risks. Brotherhood policies also offer optional Excess Liability coverage to increase the level of coverage.
Like any employer, churches need Worker’s Compensation coverage to protect employees from job-related injuries or illnesses. These benefits help with medical needs and also protect the church itself from costly liability suits.
Separate from Worker’s Comp, accident insurance provides medical coverage in the event of an accident and can cover employees, students, missionaries, children, volunteers, and more. These policies cover hospital costs, ambulance expenses, prescriptions, and more.
Brotherhood writes commercial auto policies to cover vehicles owned and operated by churches and similar organizations. These policies offer liability, collision coverage, comprehensive coverage, and personal injury protection.
Brotherhood offers a range of coverage for those traveling abroad on mission-related work. These coverages include:
- Travel Medical
- Worldwide Liability
- Kidnap and Ransom
- Foreign Liability/Auto Liability
- Commercial property
The company’s website does not offer rate information online, which is standard for this sort of company and its products. Because the factors involved in rating this sort of risk are so varied, the best way to obtain an accurate quote is to contact an agent.
Brotherhood Mutual offers claim reporting both over the phone and online. The number to call varies based on the type of policy; there is, however, a single after-hours claims line that can be contacted outside of business hours.
Brotherhood uses Safelite, a major glass repair service, for all commercial auto glass claims. These are handled directly through Safelite.
The website offers a Claims Q&A section to help answer some of the most common questions about the claims process.
Ratings and Consumer Reviews
Brotherhood Mutual has an A+ rating with the Better Business Bureau (BBB), without a complaint on file in the past three years. The company has been accredited by the BBB since 1974.
There is an overall 4.9-star rating on Google, with a total of 14 reviews. It should be noted that many of the reviews were left by employees and not customers. The company Facebook page has one 5-star review.
It is not surprising that there are so few reviews directly from customers, given the nature of the company’s products and services. Complaints and problems are likely handled more privately.
The Bottom Line
Brotherhood Mutual is a large provider of church and church-related business insurance, and it has been in the market for a very long time. They are likely a good choice for anyone whose needs and values fall in line with what this company offers.
For a list of companies that we recommend, visit our Best Insurance Companies page.