Accident Insurance

Accident Insurance can help with the following medical expenses associated with a covered injury: 

  • Hospital bills, including room and board
  • Emergency room and outpatient treatment
  • Medical or surgical treatment by a licensed doctor
  • Prescription drugs and medicines
  • Care for dental injuries
  • Ambulance expenses
  • Coverage applies on an excess basis, after all other applicable health care plans are exhausted. If no other health care plan or policy exists, coverage will be payable like primary coverage. Additional and optional benefits may also apply. Coverage is subject to policy terms, conditions, and limitations. 

Protect the people who make your organization what it is. Contact your Brotherhood Mutual agent to learn more about these accident insurance plans.

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Merry Christmas

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Property Insurance

When your ministry’s property is damaged, destroyed, lost, or stolen, your ministry suffers financially and in other ways. Brotherhood Mutual’s property insurance offers protection for physical items—from songbooks to steeples.

Liability Insurance

Liability insurance fills the gaps and protects your ministry’s people and finances. Brotherhood Mutual offers a wide variety of liability coverage options to help safeguard your organization from the unique risks Christian ministries face.

Excess Liability Insurance

Churches and related ministries aren’t immune to legal action, or the millions of dollars in damages that courts are known to award. That’s why Brotherhood Mutual offers optional excess liability coverage to provide an ‘umbrella’ of protection over your ministry’s primary liability coverages—general, vehicle, and employers’ liability coverage.

Save Money with Deductible Reduction

Get rewarded for ministry safety. If you’ve operated your ministry without a payable claim for two years or more, we reduce your deductible on a future covered claim. The longer the loss-free period, the higher the reduction—up to $500. Ask your agent for details.

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Commercial Auto Insurance

Commercial auto liability insurance is mandatory in all U.S. states. Getting the right amount of liability protection in place will help you to protect your assets in the event of an accident. It is essential to know that your personal auto insurance won’t cover your vehicles for business use. So, whether your business has one vehicle or a fleet of buses, vans, or dump trucks, be sure to get adequate commercial auto liability coverage. Your business is liable for accidents that you or your employees may cause; liability insurance will protect your company from a resulting liability claim or lawsuit.

Do you operate a business that requires you to have a vehicle to deliver your goods and services to your clients? Do you have a fleet of delivery trucks that are on the road 24/7? Small firms that own or operate vehicles have the same risks as large firms. You are at risk of losses arising out of accidents that can damage your vehicles and cause injury to third parties and employees.

Not all insurance companies offer commercial vehicle insurance. Some companies that specialize in auto coverage have a separate division that handles heavy vehicle insurance underwriting. Often, you can consult with your agent who can inform you of their coverage availability, or refer you to another insurer who may be able to handle your commercial needs.

Some of the requirements for getting coverage on these larger vehicles can include specialized driver training requirements as defined by the state of California. Often drivers must have a special endorsement or license to drive such vehicles. Regular inspections are usually mandatory for such vehicles as well, to help maintain safety on the road. It is not uncommon to see random inspection points set up across the state to do spot checks of commercial trucks and other vehicles.

Commercial Auto Insurance can provide your firm with security and protection from devastating liability claims arising from an accident involving your vehicle. Commercial Auto Insurance is usually offered on vehicles owned by a business and can include:

  • Bodily Injury Liability – Coverage for damages that involve bodily injury to third parties for which you become legally liable under the law.
  • Property Damage Liability – Coverage for damage to the property of others.
  • Medical Payments – Coverage for reasonable and necessary medical expenses for those who are accidentally injured while in your automobile or while getting in or out of your automobile.
  • Personal Injury Protection – Coverage for medical, hospital, rehabilitation, loss of wages, or loss of services costs resulting from injury to you or any guest injured while in the vehicle.
  • Comprehensive – Protection for the loss of, or damage to, your vehicle and its equipment from all causes except collision, subject to the terms and conditions on the policy.
  • Collision – Protection for the collision damage to your automobile and its equipment, subject to the terms and conditions of the policy.
  • Uninsured Motorist – Coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance and is legally liable.
  • Underinsured Motorist – Coverage will enable you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.
  • Hired Auto Liability Coverage – Covers liability for automobiles hired under contract on behalf of, or loaned to, the named insured.

How To Lower Your Commercial Auto Expenses

Make sure you train all drivers on the latest safe driving techniques. In addition, have our agency market your insurance to find the best possible combination of coverage, price, and service.

It is a good idea to shop around for a service repair shop that can provide competitive pricing but is also responsible. Cheap repairs do not help if the vehicle ends up back in the shop, or the shop does not meet repair deadlines.

Some vehicles are cost more to repair. Additionally, technology in newer vehicles is more costly to repair. For that reason, one of our clients opts to purchase three to five-year-old vehicles to save on repair costs.


Use module deceives in your commercial vehicle that can monitor driver performance. Provide feedback to drivers and create a reward system for better and safer drivers.

We have years of experience and a dedicated staff with significant knowledge and understanding relating to the trucking industry. We know how to develop and maintain insurance and risk management programs that are comprehensive and cost-effective.

Dedicated service and knowledge have kept our clients feeling secure about who is handling their insurance needs. We know that different businesses have different commercial vehicle insurance needs. By offering flexible policies from various insurance carriers, we provide you with the assurance that your policies are the best available in today’s market.

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Church Liability Insurance

Businessman on top of the mountain looking with the telescope and big shark in the deep see water just below. Risk and business danger situations concept

Liability insurance can help protect your ministry if someone is injured or suffers a  loss connected to ministry activities — on or off your property. It can also help defend you if you or the people working in your ministry are sued, whether the suit arises out of injury to people or damage to property.

Coverage typically includes the cost of defending you in court — and any court awards or settlements — up to the limits of your policy.

What are Coverage Limits?

Liability limits determine the maximum amount that an insurer will pay on behalf of a ministry and its covered individuals if a liability claim is made. Michael Allison, chief counsel for Brotherhood Mutual, encourages you to look at the following four factors when selecting liability limits:

  • The likelihood of loss
  • The ministry’s assets 
  • The likely damages a court would award for a loss
  • The ministry’s “appetite for risk”

Read more

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Workers Compensation Cost Savings Strategies


A Safety Program helps in two ways:  Many insurance companies provide a credit just for having a safety program in place and your loss history is one of the key factors underwriters take into account when rating your Workers’

Compensation premium.

Several keys to a successful Safety Program

1. Management Commitment

If upper management doesn’t take safety seriously, there’s no way your employees will, either. Like any other successful company value, safety has to come from the top. When you see how much money a good safety program can add to the bottom line, upper management will have all the reason they need to be committed to safety.

2. Disciplined Hiring Practices

Make safety a part of your interview and hiring process. Tell applicants that safety is important and listen for safety red flags in interviews. Continue to make a point of safety through new hire orientation and in new hire packet company policies and procedures.

3. Customized Training

Train each employee in the safe way to perform their specific duties. Make the safe way “the only way we do it, here”.

5. Supervisor Accountability

Build safety objectives into supervisor accountability. Reward them for their team’s good safety practices.

6. Reward for Performance

It’s a time tested tactic: give employees something they want if they do what you want.

Are You Shopping Online This Holiday?

Personal Insurance Update

The holiday shopping season is upon us, and many of us are searching our favorite web pages for the best deals on the items that top this year’s wish list.  Last year, cyber Monday was the year’s single biggest day for shopping, generating over 2 billion dollars in sales.  This year, consumer experts predict an even bigger day.  However, this online activity is also a big day for cyber criminals.

We recommend that you have us review your personal insurance to make sure you have the right kind of insurance, including identity theft protection, to protect you and your family throughout the holiday season.

Holiday Cyber Safety Tips

  • Use a credit card rather than a debit card.  It is easier to resolve issues.
  • Make sure your computer has updated security software.  Verify that your antivirus software is up-to-date with the latest virus definitions, and that useful features like real-time scanning are enabled.
  • Update your passwords and make sure they are strong.  Do not use 1234 as your password.
  • Don’t open email advertisement for sources you do not know.
  • Use only familiar websites.
  • Check you statements to make sure charges are correct.
  • Always log out of websites after your shopping is complete.  Cookies can often keep you logged into accounts even after you close the browsing tab, an obvious no-no.  Get in the habit of clicking the “log out” button.
  • Try not to do your online banking on the same computer you use to shop online.
  • An extremely important online shopping safety tip is to keep your personal information protected.  No store needs your social security number or your birthday.
  • The National Retail Federation predicts that 25 percent of adults will do online browsing with their smartphones to find gifts.  If you use your smart phone to shop, make sure that you are only browsing safe, well-known sites.


Sources – Protection one, CNET, Identity, and Tripwire.

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Your Church At Risk


Here are nine areas to consider when developing a risk management plan for your church. CMI can help you identify and manage your risks through insurance and safety services.

  • Accident Prevention: Are your sidewalks well lighted, dry, and covered with non-slip material? Are walkways and doors kept free of obstructions? Are parking lots safe? Is playground equipment maintained?
  • Childcare: Do you use a paging or other system to ensure children return only to authorized parents? Do you do a background check on all of your workers and volunteers?
  • Fire Protection: Does your church have a fire alarm system and fire extinguishers readily available? Are your fire sprinklers maintained?
  • Transportation Dangers: Does your church own vehicles that are well maintained? Do you use volunteer drivers? Do they have adequate insurance? Are they trained to drive large vans or buses?
  • Counseling: Does your church (or the individual counselors) carry professional liability insurance? Do you have a policy that covers counseling activities?
  • Finances/Payroll: Are dual signatures required for all checks above small amounts? Are all church credit cards properly maintained and regularly checked? Are at least two people present when offerings are counted? Does your church file the appropriate tax forms for all employees, including W-2s and 1099s?
  • Volunteer Selection and Training: Does your church thoroughly screen volunteers who will be driving church vehicles or working with children? Do you supervise volunteers and train them in their responsibilities?
  • Security: Does your church have an electronic security system in place? Do you have a strictly enforced key monitoring system? Do you have adequate lighting around your doors, parking lots, and at the rear of your buildings?
  • Church Employees: Do you have up-to-date hiring policies? Do you provide ongoing training? Do you have a sexual harassment policy?

Prepare Your Ministry For The Next Disaster

Prepare Your Ministry For The Next Disaster

There are many things businesses can do to prepare for the impact of the many natural hazards they face including floods, hurricanes, tornadoes, earthquakes.  Developing an emergency preparedness plan is one of the most important strategic decisions you will make as a small business owner.

Your Church Insurance Company May offer Resources

Check with us to determine if your business insurance company has tools and resources to help you. Your business insurance will respond to many hazards and risks that are insured under your policy.

Three Questions to Ask About Your Ministry

  1. How vulnerable would your business be if a disaster or other emergency were to occur?
  2. Do you have a plan to protect your employees and business?
  3. Have you provided emergency preparedness training to employees?

The American Red Cross offers free tools that may be useful to you:

Get Your Church Prepared

  • Review your policy with us to make sure you understand the nature of your coverage, the deductibles, and the limits of your insurance.
  • Create evacuation and shelter safety procedures.
  • Create backup copies of critical data and programs.
  • Train your employees annually in emergency preparedness.
  • Protect vital business records. Keep your most important documents in a safe that has been tested and listed by UL (Underwriters Laboratories) as being resistant to fire, heat, burglary tools and torches.
  • Create an emergency contact list.
  • Learn what kind of emergencies might affect your business.
  • Decide ahead of time what you can do if your building becomes unusable.
  • Make emergency preparedness part of daily procedures and communications.

Thanks to the American Red Cross and U.S. Small Business Administrating for providing some of this information.

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Church Insurance Renewal Planning

Start Planning Your Next Commercial Insurance Renewal

If you own or manage a business and have an insurance renewal coming up, you most likely are not preparing for it, but you should. Now is the time to connect with your broker to start the planning process. Here are a few tips to help you get the process moving. Or call us, and we can manage the entire process.

  1. Starting early gets you at the front of the line when it comes to underwriter’s time. This can help save you money.
  2. It is important to determine if there are changes in your operations and may cause a need for different kinds of insurance.
  3. Review your policy exclusions, do you want to make changes?
  4. Develop a clear structure of what kinds of coverage you need. You may need cyber liability, employment practices, and directors and officer’s coverage. For example, some insurers are open to considering more favorable terms and conditions. And in some cases, insurers are offering multi-year coverage — for which you can lock in favorable rates to protect your business for the next several years.

Suggested Renewal Timeline

90 days from renewal. Meet with a broker and set goals and objectives. Have broker build specifications.

60 days from renewal. Send out specifications to underwriter.

20-30 days from renewal. The client and broker meet to review options and determine the final program, coverage selected, and pricing.

5-10 days from renewal. Final paperwork prepared, signed, and invoiced.

5 days from renewal. Binder documents and certificates delivered.

10 days after renewal. Policies delivered.

Give us a call today, and we will get to work for you!

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