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Brotherhood Mutual Insurance Company Review

Brotherhood Mutual Insurance Company operates on a faith-based values system and provides insurance to churches, operating in 46 states with workers compensation, travel insurance, and accident insurance. Follow this Brotherhood Mutual Insurance review to find Brotherhood Mutual Insurance quotes.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 30, 2020

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Brotherhood Mutual offers niche insurance coverage, providing policies for churches and related ministries. They operate out of Indiana and offer coverage across the country and beyond.

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.

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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.

Worker’s Compensation

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.

Accident Insurance

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.

Commercial Auto

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.

Mission Travel

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

Rates

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.

Claims

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.

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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.

Brotherhood Mutual reviews have 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.

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Review Information

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

4 Comments

  1. I had a Slip-and-Fall on Icy Walk Path at St. Matthew Lutheran Church,
    School and Cemetery private small business (all in one) located in Hawthorn Woods, Illinois on 2/5/2019. I was perfectly fine before the fall.

    The paths and parking lot was icy and slippery – not salted or maintained. Many of us that attended Funeral Service for a friend of the family. As I walk back to my car with my mom, I slipped at the end of the ice and fell flat on my face for the first time in my life.

    The extent of my injuries is my teeth is bad condition – broken teeth and came out, top and bottom teeth split, chipped and loose. The trauma affected me emotionally and physical appearance.

    My Dentist brought up to my attention that I need to see ENT because of my breathing heavily through my mouth and not through my nose. I cannot even blow my nose. I need to have a Deviated Septum Surgery so I can breathe better like the way I did before the fall.

    The Church, Adjuster and Supervisor only got off cheap and not owning up to their wrongdoings. A 5K Medical Policy and refusing to let me take advantage of the Church

    Liability policy is HORRIBLE – HORRIBLE AND UNJUST! If they are operating business and Christian, they will do the right thing by taking care of this matter. They only paid $5K to my Dentist.

    They told me I am responsible for the rest. THEY WILL NOT DO ANYMORE TO ASSIST ME! THIS IS DEFINITELY NOT CHRISTIAN!!!!! Churches that have Brotherhood Mutual as the coverage is very cheap. They are sure getting off cheap. With Medical and Dental so out of control and outrageous, 5K does not cover everything.

    I AM FURIOUS AND SEARCHING FOR OPTIONS IN GETTING ST MATTHEW OF HAWTHORN WOODS, IL TO TAKE RESPONSIBILITY. I AM OPEN FOR OPTIONS. RIGHT NOW I AM UPSET AND IN NEED OF HELP AND GETTING THIS OUT IN THE OPEN OF HOW THIS PARTICULAR CHURCH / CEMETERY AND BROTHERHOOD MUTUAL INSURANCE TOOK CARE OF THIS MATTER. IT IS SO WRONG!

    Reply
  2. I currently have a claim where my children were injured very badly and they are telling me they can only cover medical which is bologna. I’ll be back on here after we settle. Might have to hire a lawyer

    Reply
    • How did your case go? Did they settle?

      Reply
  3. Right now I have an active case and they are doi g their best to ignore me. Our school has no choice but to refer this to our legal group. They are a piss poor excuse of a so called Christian Organization

    Reply

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