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.

Ministery News

Guidelines for School Ministries is one in a series of guidebooks that church and ministry leaders can access on Brotherhood Mutual’s website. Each guidebook provides guidance for creating a safe, secure environment for ministry participants, leaders, and organizations through policies and forms.

What’s Included?

Guidelines for School Ministries provides information and step-by-step instructions on a variety of school-specific topics:

• Screening procedures
• Supervision guidelines
• Counseling
• Work restrictions
• Discipline

Additional Tools

The guidebook also includes sample forms:

• School Work Application Form
• Reference Response Information Form
• Notice of Injury Form
• Activity Participation Agreement Form

Download Free Tool

In today’s atmosphere, church insurance is a must, but many owners are unaware of the fundamentals of this sort of policy, such as why it’s important, what it covers, and how to get the correct coverage for yourself and your company. Here are four typical church insurance myths, as well as the myth-busters you should be aware of.

Myth: All you need is a basic policy.

Truth: This may be the case for a few business entrepreneurs. However, every firm is different: some may rely on incredibly valuable equipment or inventory, others may deal in sensitive data, and still, others may be more likely to be sued. It’s critical that you comprehend how typical insurance will or will not function for your own organization and situation. Then, with the help of an independent insurance firm like ours, you can figure out the best ways to fill in the gaps.

Myth: If you or your workers drive their own cars, you can avoid purchasing auto insurance.

Truth: Having a car insurance policy is a must if you or your staff drive for business purposes, whether you have one or numerous designated business vehicles. Accidents or injuries that occur while doing business are unlikely to be covered by your standard auto insurance policy, so don’t overlook this crucial coverage if it applies to what you do.

Myth: If you don’t have staff, you don’t need business insurance.

Truth: Having business insurance is a must for any serious business owner, whether you manage a workforce of 5 or 15, or you’re a one-man or woman show. Many of the hazards that come with running a business are simply not covered by standard homeowner’s insurance. If you’re an independent contractor working in a high-risk field like contracting, you’ll need specialist coverage to protect yourself and your clients.

Myth: Commercial church insurance is prohibitively expensive.

Truth: On the contrary, business insurance may be very reasonable, and it’s a little thing to pay to secure your livelihood and the firm you’ve worked so hard to develop. A well-rounded insurance coverage will provide you peace of mind, allowing you to focus on your goals.

Call or email our staff immediately if you have any questions about church insurance.

Your ministry extends beyond the walls of your church. It may take you a few miles down the road on a disaster relief project, or halfway around the world with a short-term mission team.

Regardless of where your mission takes you, travel insurance is essential. Brotherhood Mutual has entered into an alliance with Fly For Good^® to bring mission travelers the Faith Ventures card, an affordable travel medical insurance option that comes with single- or multi-trip plans for foreign and domestic short-term mission travel.

• Accident and illness medical expense
• Security and emergency medical evacuation
• Trip cancellation coverage
• Primary coverage with no deductible
• Discounted airfare
• 24/7 emergency travel assistance
• Currency exchange discounts
• Trip management tools
• Hundreds of retail discounts

The partnership between an insurance agent, an insurer, and a client is one of the most important in the industry. Carriers and the underwriters create policies and take on risks for insureds, whereas brokers assist their clients in finding the best insurance policies and carriers for their needs.

The independent agent and broker are the industry’s backbone. They are the primary channel of distribution for commercial property and casualty insurance.

How To Build And Maintain Strong Relationships

Don’t base your relationship on technology

Technology is good and effective tool for both the agent and their clients. But don’t make technology so important that any personal communication is lost.

Follow Through

Agents should build strong relationships with their clients by following through on their commitments and being communicative in the event that something changes, in addition to offering services and advice that help insureds avoid losses. If you say you’re going to do something, you must do it. If you can’t do it, you say, ‘I’m not going to be able to meet the commitment,’ and then you set a new expectation.

Focus on more than just pricing

When it comes to building a strong relationship with insurance agents, one thing that stands out above all else is the need to add value that goes beyond offering competitive insurance prices. When comparing options today, insureds should look for an agent who will not only provide the coverages they require but will also serve as a risk management partner.

Be Consistent

Consistency is essential in all aspects of communication and service. It establishes a pattern that customers can expect, which helps to highlight your value proposition and enhance the customer experience. Simply personalize interactions by framing conversations and messaging in less “scripted” ways. According to one survey, most marketers fail to personalize communication beyond digital channels. Get more customer-specific the next time you pick up the phone. It should contribute to the relationship’s strengthening.

The customer, regardless of the insurance company, ultimately looks to you, the agent, for advice, service, and responsiveness. Regardless of the shifting strategies and focuses in today’s insurance markets, remember to prioritize your customer relationships first, and you’ll find yourself building a book of business that will last for a long time.

As a ministry owner, managing your risk is critical to keeping your business going and your team safe. It is important to have an insurance program that is designed that address your needs and risks. While insurance covers many kinds of loss, preventing loss can be better. You’re aware that severe weather might strike at any time, so you’ve purchased insurance to assist you in recovering from a storm. You’ll want to get back on your feet as soon as possible if your home or business is damaged by a hurricane, tornado, hailstorm, or other natural disaster. As a result, we urge that you take the following steps to ensure that your claim is handled as quickly and efficiently as possible.

If you have a claim, here are some actions to take

1. Review your insurance and have it ready as a reference.
2. Assess the damage.
3. Most insurance contracts require notice as soon as possible following a loss, and your policy includes contact information for filing a claim.
4. Take action to mitigate any further damage. (typically insurance company will re-reimburse you.
5. Call your agent or insurers claims hotline.
6. Be available for the restoration contractor to arrive.
7. Stay in touch with your adjuster and agent.
8. Don’t hire a contractor without references and approval from the insurance company.
9. Take pictures of damage and repairs.
10. Take inventory of what was lost or damaged.
11. Don’t toss anything before the adjuster or insurer approves.
12. Don’t sign any contracts for repairs without discussing it first with your agent, adjuster, or insurer.
13. Keep all receipts and invoices for every expense you incur after the loss.

Understanding your insurance coverages and the claims process will help you recoup as quickly as possible following a loss. Follow these suggestions and contact your insurance agent for further information.

The primary role of nonprofit directors and officers is to maintain financial stability and provide the necessary resources, direction, vision and environment to accomplish the goals and mission of the organization. The unique nature of nonprofit organizations presents directors and officers with difficult challenges in performing this role.

Most experts agree that nonprofits need Directors and Officers Liability Insurance. Whether you are appointed, elected or asked to be a board member of a nonprofit organization, you assume a level of responsibility for the organization and expose yourself to claims for not running and managing it in a proper way.

Directors and Officers Liability Insurance is not part of the general liability coverage that most nonprofits purchase.  Lawsuits against directors and officers of non-profit boards of directors are increasing at an alarming rate. Whether a major social service organization or a local shelter, informed leaders understand they place their personal assets at risk by serving on a board of directors.

Typically nonprofit Directors and Officers Liability Insurance will cover administrative, civil and regulatory proceedings based on actual or alleged acts, errors, omissions, misstatements, neglect, or breach of duty committed by, or allegedly committed by, a director or officer while acting within the scope of their duties. The policy also reimburses nonprofit corporations for any indemnification that their bylaws or state laws require them to provide to the directors and officers.

Key features of nonprofit Directors and Officers Liability Insurance may include:

• Entity coverage.  Most policies now include coverage for claims made against the organization itself, even if no directors or officers are named in the claim.
• Employment Practices Liability coverage.  Directors and Officers Liability policies also help protect insured persons of the organization against damages from claims for wrongful termination, sexual harassment, discrimination and unfair employment practices.
• Duty to defend. Most policies are committed to fair resolution of claims and the insurance company has the obligation to defend.
• Defense coverage.  Many Directors and Officers Liability Insurance policies offer defense coverage outside the limit of liability. This means that defense costs would not reduce the overall limit of liability.

Directors and Officers Liability Insurance claim examples:

A discrimination suit was filed against the board of directors of a nonprofit drug and alcohol rehabilitation center, when the claimant requested a transfer within the housing complex and was denied. The claimant alleged discrimination based on national origin, religion and sex. The court dismissed the case due to a lack of evidence. $15,000 was paid in defense costs.