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Coverage for Camps and Childrens Homes. .

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Churches and other houses of worship have several different liability coverage needs. Church and synagogue insurance providers understand this and offer a variety of liability coverage options from which you can choose. Some policies may include some of these options as part of their standard package while other will require you to purchase separate endorsements for each option. These options can include:

Property Coverage

 Extra Property Coverage, can automatically include lightening, wind, fire and hail, as well as many non-standard items such as:
  • Equipment Breakdown, including computers, boilers and electrical equipment.
  • Newly acquired or constructed property.
  • Personal effects and property of others.
  • Pastor's personal property.
  • Ordinance or law.
  • Indirect Loss.

Other coverages available under the property coverage are:
  • Crime - Provides protection for money and security losses resulting from theft, employee dishonesty, and forgery and alteration.
  • Inland Marine - A broad type of insurance that covers valuable possesions that may be transported from one place  to another.


General Liability Coverage

 General Liability insurance covers the church's legal liability resulting from injuries to people or damage to their property.
 

Church Medical

Provides primary payments for injuries occurring on your premises, and for accidents resulting from church activities away from your premises.
 

Liability options available:

  • Hired and Non-Owned Auto Liability - Provides excess liability and medical coverage for the church should legal liability arise out of the use of a non-owned or hired auto.
  • Directors, Officers and Trustees Liability - Provides coverage for wrongful acts of church directors, officers, trustees, business administrators and ministers.
  • Employment Practices Liability - Employment practices liability covers a church in areas relating to employment including discrimination, wrongful termination and sexual harassment.
  • Sexual Misconduct Liability - Provides coverage that protects a church from legal liability arising from acts of sexual misconduct by a staff member or volunteer.
  • Employee Benefits Liability - Provides coverage on negligent acts, errors or omissions arising out of the administration of employee benefits program.

We also have the following medical coverages that are enhancements on policies under your general liability medical coverag
  • Day Care and School Medical - Provides excess payments of medical expenses for accidents resulting from activities scheduled and supervised by your church or on its behalf.
  • Interscholastic Athletic Medical - Provides Excess payments of medical expenses for accidents that might result from practicing, instructing, and participating in athletic events.

Additional Products Available
•Business Auto Policy
•Umbrella Policy
•Workers' Compensation Policy
•Dental 
•Vision
•Group Life 
•Short Term Disability
•Long Term Disability
•Long Term Care


Property Protection

 
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 your buildings, property, and belongings.
 
We offer many endorsements including:
•Inflation guard: Automatically adjusts property values on an annual basis
•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
 

Vehicle Protection

 
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 your local agent for more information about:
•Vehicle Liability Coverage
•Collision
•Comprehensive
•Uninsured/Underinsured Motorists Coverage
•Vehicle Medical Payments Coverage
•Personal Injury Protection
•Vehicle Physical Damage Coverage
 

Liability Protection

 
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 liability
•Specialized emotional injury liability
•Teacher/governing board liability
•Cyber liability
•Worldwide liability extension
•Non-owned vehicle liability
 
We offers many other liability protection options, including sexual acts liability, counseling acts liability, directors and officers liability, and computer-related liability.


Workers' Compensation

Employee Benefits
Workers' compensation coverage provides benefits for employees in relation to work-related injuries or diseases that are specified by state law, including:
•Medical benefits
•Disability benefits
•Rehabilitation benefits
•Death benefits
Employers' Liability
 
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 local agent to learn more about workers' compensation coverage.


Mission Travel

 
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
 
Also through Faith Ventures: discounted airfare, 24/7 emergency travel assistance, currency exchange discounts, trip management tools, and hundreds of retail discounts.


Payroll

 
MinistryWorks is a payroll service provider that helps churches and related ministries by taking on the administrative burden of payroll processing and payroll tax filing. MinistryWorks professionals are church payroll specialists who truly understand your ministry and work closely with you to offer solutions for your unique needs. Our services include:
•Management of tax withholdings and deductions
•Preparation of employee paychecks
•Full service direct deposit
•Timely tax return filing
•W-2, Social Security, Medicare, and new hire reporting
•Annual workers' compensation audit assistance
 
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