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Altogether, the company serves 46,000 churches in 43 states, offering products to groups like Christian camps, day nurseries, Christian schools and churches.
Our review of Brotherhood Mutual indicates the company offers insurance for property and automobiles as well as general liability and workers’ compensation. It also offers free legal assistance to its members through its in-house legal team.
As a Christian company, Brotherhood has taken a stance in the past on political topics, making the news in 2008 for turning down insurance to a church that supported same-sex marriage.
Property & Liability Insurance
Property insurance is available for church buildings and related structures used by the church or ministry. Basic coverage protects against vandalism, theft, natural disasters and other common perils. Some optional endorsements will also pay for losses caused by equipment breakdowns or dishonest personnel.
Brotherhood Mutual also offers general liability coverage, protecting against things like personal injury claims and certain types of emotional injury liability. These liability coverages are geared toward the church atmosphere, offering a more specialized protection than other types of business-oriented liability coverage.
Commercial Auto Insurance
Many churches and youth camps require buses or fleet vehicles, and Brotherhood’s commercial auto coverage protects these vehicles. Because these shuttles pose a liability risk, the main focus of the coverage is on liability, but collision, comprehensive and other first-party coverages are available as well.
Brotherhood Mutual offers workers’ compensation insurance for church employees in order to keep churches compliant with state laws. This compensation helps to offset the cost of medical expenses related to accidents occurring on the job. A related coverage, employers’ liability coverage protects a church from lawsuits filed on behalf of employees due to work-related injuries or illnesses.
The other unique coverage offered by Brotherhood Mutual is mission travel insurance, which is specifically designed to meet the needs of church workers who travel as part of mission trips. This policy includes coverage for worldwide liability, travel accident coverage and more.
To obtain a quote, you’ll need to speak with a Brotherhood Mutual agent. You can do this through the website by inputting your name/organization name and email address in the form; an agent will follow up to discuss your coverage needs and provide a quote for your specific situation.
There is plenty of claim information on the Brotherhood website under the “Claims” tab. You can report claims on every type of policy online using the appropriate claims form, or you can call your agent for advice on what to do. For after-hours emergencies, call 1-800-933-1849.
Brotherhood Mutual Insurance Company has been accredited with the Better Business Bureau since 1974. It has an “A+” rating on the BBB website, with just two complaints listed whereas none were filed this year. The only complaints readily found online about the company are regarding their stance on certain social issues; there does not appear to be any major complaints against the quality of coverage.
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Brotherhood Mutual is a specialty insurer, but the products they offer seem very sound for the type of coverage it sells. If you’re a church or related Christian organization, Brotherhood could be a good choice for the type of specialty coverage’s you need.
For a list of companies that we recommend, visit our Best Insurance Companies page.