Brotherhood Mutual vs Church Mutual Insurance (2022)

Religious organizations have operational needs to maintain the support they provide to their communities. Managing property and human services takes skill and business acumen, and that often brings unique challenges for the leaders of these organizations.

The best insurance companies help protect those who need assistance with all of their organizational needs. Like any other type of insurance, there are multiple companies to choose from, but two leaders in the industry emerge in the conversation.

Church Mutual is the largest and oldest insurance provider specializing in religious organizations. Brotherhood Mutual provides similar coverage options, but a more personalized customer experience attracts many ministries to its business.

Church Mutual Insurance

Church Mutual is the largest insurer of religious institutions in the U.S. serving organizations of all denominations. Its philosophy communicates a very clear message to potential customers looking for the best coverage options:

To protect those who serve and inspire others – bringing specialized insurance expertise and innovative solutions to purpose-driven organizations of all kinds.

In addition to churches, Church Mutual also provides coverage for non-profit organizations, senior living communities, schools, camps, conference centers, and denominational offices. 

The carrier operates nationwide with direct written premiums totaling more than $1 billion in 2020. They hold an A rating from A.M. Best, granting them an “excellent” rating with a “stable outlook.”

Church Mutual Coverage Options

Church Mutual offers a wide range of coverage options for religious organizations that cover just about all areas of business management. 

Property. Provides coverage for your structure and personal property. 

General Liability. Protects your organization, employees, and volunteers against claims of negligence.

Management Liability. Protects your directors, officers, trustees, and other elected members of your governing board against allegations of wrongful acts.

Professional Liability. Covers actual or alleged negligent acts and issues related to rendering professional services.

Inland Marine. Insures your most valuable or antique possessions, valuable papers and records, accounts receivable, watercraft, signs, theatrical property, and more items with significant monetary value.

Crime. Covers your organization in the event of criminal acts, including theft of money and securities, employee theft, fraud and forgery, and altercations. 

Cyber Liability. Protects against cyber liability and the threat of data breaches.

Hired and Non-owned Automobile Liability. Covers rented or borrowed vehicles used on official business. State car insurance needs vary greatly from state to state.

Workers’ Compensation. Supports your employees should they be injured in the course of their employment.

Church Mutual’s experienced risk professionals know how to evaluate the unique risks you might be facing and they provide in-depth resources that will help you serve others in your organization.

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Brotherhood Mutual Insurance

Brotherhood Mutual works with churches and church-affiliated properties to create a personalized insurance experience. They provide coverage to more than 60,000 customers throughout the U.S. with an A.M. Best rating of A- and the highest possible rating from the Better Business Bureau with an A+.

Brotherhood Mutual primarily serves Christian organizations. Like Church Mutual, they’ve also been insuring churches for more than 100 years in America. Their mission statement paints a picture of a provider with America’s churches at the forefront of their service. 

Brotherhood Mutual insures America’s churches and related ministries. We have for more than 100 years. But there’s more. From our perspective, insurance is more than a commercial endeavor. It’s a platform to accomplish our mission: to help America’s churches and related ministries build the Kingdom.

They provide coverage for commonly needed areas such as property, liability, auto, worker’s compensation, and travel. Their customers include churches, colleges and universities, grade schools, camps, and missions.

Their service comes with a wide list of resources tailored specifically for ministries and their unique needs. Brotherhood Mutual’s website has a vast library of articles and forms that will help with your research. They can also provide 24/7 legal assistance, as well as training materials to enforce best practices for a ministry’s employees and volunteers.

The greatest advantages of Brotherhood Mutual insurance coverage are the unique products they offer with their services. 

MinistryWorks

Ministry payroll can be complicated and time-consuming. Tax codes specific to religious organizations are unique and often evolving. There are also factors such as ministerial housing, allowances, dual tax status, and W-2s that can all have an individual impact on your bookkeeping.

MinistryWorks comes with Brotherhood Mutual’s coverage and provides a simple tool to manage the paperwork and troubles of ministry payroll. Saving time in this area can allow you to focus more time on your mission and save money to apply more resources to your community.

Some of Brotherhood Mutual’s clients report saving 50% or more on insurance costs when they switched to MinistryWorks for their financial records.

When you sign up for their service, Brotherhood Mutual will provide you with your very own MinistryCare Payroll Professional who will get to know you, your ministry, and the rules you want to apply to your payroll.

MinistryWorks customers who sign up for worker’s compensation insurance from Brotherhood Mutual also have access to Audit Assist. All the wage reports you need for a worker’s compensation audit will be provided through Audit Assist from MinistryWorks.

Faith Ventures

No matter where your mission takes you, travel insurance helps keep you protected. Ministries extend beyond the walls of your house of worship. 

Brotherhood Mutual maintains an alliance with Fly For Good to provide mission travelers with the Faith Ventures card, an affordable and comprehensive travel insurance option that can be purchased for single-trip or multi-trip mission travel plans, and short-term domestic travel and foreign travel. 

Faith Ventures comes with an extensive list of benefits for traveling ministries. 

• Accident and illness medical expenses
• Security and emergency medical evacuation with 24/7 emergency travel assistance
• Primary coverage with no deductible

Your Faith Ventures card will also come with hundreds of special retail discounts, and even discounted airfare and currency exchanges. Brotherhood Mutual wants to help you every step of the way as you try to give back to the world.

Employee Health Benefits

Buying health insurance is a vital part of our society. Traditional group plans are often limited in choices. Alternatively, coordinating individual health benefits on your own might offer more flexibility, but the options can be complicated and difficult to manage. Religious organizations shouldn’t be burdened by the time it takes to become an expert in health insurance options.

Brotherhood Mutual employs faith-focused health benefits experts who can provide customized health benefit plans. They help provide religious institutions with simplified options your employees will understand. 

They’ll even manage everything for you. They will keep your plans organized, report monthly bills and statements, and auto-deduct premiums from payroll.

Notion Sensors

Brotherhood Mutual has partnered with Notion to help ministries reduce the risk of costly or disruptive damage to your facility. 

Notion is a smart security system powered by wireless sensors and controlled via a smartphone app. Notion sensors can monitor all of the variables that can impact your establishment.

• Monitor for water leaks
• Smoke alarm control
• Temperature changes
• Moving doors and windows

Smartphone alerts can keep you informed the second there’s a problem in your building. With instant access to the issues that can cost hundreds or even thousands of dollars, Notion provides security and control over your house of worship.

Which company should I choose?

Religious organizations need insurance coverage just as businesses do in America. The right insurance coverage gives ministries and churches protection in the event of unforeseen circumstances and also protects the leaders and employees of those organizations. 

Church Mutual is the nation’s largest and oldest insurer of religious institutions, and Brotherhood Mutual has been operating for nearly as long. Both are safe bets when it comes to picking the best coverage for your organization. Church Mutual provides a more comprehensive list of coverage options, but Brotherhood Mutual can offer a more personalized approach if your needs are more simple.

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