Coverages for Ministries
When your ministry’s property is damaged, destroyed, lost, or stolen, your ministry suffers financially and in other ways, too.
Brotherhood Mutual’s property insurance programs offer protection for physical things—your buildings, property, and belongings.
We offer many endorsements including:
Money and Securities Coverage
Clergy Property Coverage
Bond: Pays for covered losses resulting from dishonest activity of personnel
Equipment breakdown: Pays for property losses that are the result of a sudden or accidental breakdown of equipment
Flood - up to $10,000 in FLOOD coverage
Ask us about our Reducing Deductible Endorsement
Liability insurance fills in the gaps and protects your ministry's people and finances. Basic liability coverage provides protection for claims of bodily injury or property damage liability. Enhanced liability coverages include:
Personal injury liabilitySpecialized emotional injury liability
Teacher/governing board liability
Brotherhood Mutual offers many other liability protection options, including
sexual acts liability,
counseling acts liability,
directors and officers liability,
Religious Freedom Coverage
and computer-related liability.
Does your church provide vehicles for your ministry staff? Does your ministry own a bus that's used for trips? Then you need auto insurance.
Research shows that vehicles represent one of the most serious liability exposures for your ministry. For many organizations, the most serious bodily injury or property damage losses are the result of automobile accidents.
Brotherhood Mutual offers many different commercial auto coverage features and options, designed to help ministries of all sizes protect themselves against vehicle-related losses. Protect your ministry and your people by making sure you have the right insurance coverage. Ask a Brotherhood Mutual agent for more information about:
Vehicle Liability Coverage
Uninsured/Underinsured Motorists Coverage
Vehicle Medical Payments Coverage
Personal Injury Protection
Vehicle Physical Damage Coverage
State law requires that employers—including ministries like yours—protect their employees with workers’ compensation insurance.
Workers' compensation coverage provides benefits for employees in relation to work-related injuries or diseases that are specified by state law, including:
Employers’ liability insurance is included with Brotherhood Mutual’s workers’ compensation policy. This coverage protects your ministry if it is sued as the result of an employee’s job-related injury or illness.
Protect your ministry and your employees. Contact a Brotherhood Mutual agentto learn more about workers’ compensation coverage.