Brotherhood Mutual Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Brotherhood Mutual is a niche P&C carrier focused exclusively on Christian ministries—primarily churches, related schools (K‑12, colleges, universities), camps, and mission organizations. It does not position itself as a general commercial market. Preferred business / target risks - Faith-based organizations and Christian ministries only: churches, Christian schools, colleges and universities, camps, and mission/mission-sending organizations. Their property, liability, auto, and workers compensation products, including MinistryFirst commercial package, are designed around these operations and include ministry-specific coverages such as pastoral counseling liability, D&O for ministry boards, employment practices, abuse and molestation, and mission travel/foreign package options. - Accounts looking for a single carrier package solution for property, liability, auto and workers comp across the ministry enterprise. Their marketing emphasizes protecting "Christian ministries" with tailored wording rather than generic ISO commercial forms. ([brotherhoodmutual.com](https://www.brotherhoodmutual.com/?utm_source=openai)) Restricted or declined classes - Non-ministry commercial risks (standard for‑profit main street, industrial, or institutional accounts) are effectively outside appetite. Public materials and partner letters consistently describe Brotherhood Mutual as providing insurance "exclusively" or "specifically" for Christian churches and related ministries, which implies they will decline non‑faith‑based commercial enterprises. ([brotherhoodmutual.com](https://brotherhoodmutual.com/news-media-center/mihc.html?utm_source=openai)) - Ministry-adjacent entities that are not clearly Christian or not aligned with their ministry focus may be scrutinized and could fall outside guidelines based on state filings referencing MinistryFirst CMP underwriting criteria that key off type of organization and operations. ([filingsdirect.com](https://filingsdirect.com/docs/CAIA/2019/October/Brotherhood%20Mutual%20CMP%20MinistryFirst%20CMP%20rate%20rule%20form%209%2019%20BRTH-131965766.pdf?utm_source=openai)) - No evidence in public sources that they write high‑hazard industrial, manufacturing, or non‑ministry habitational; these should be assumed out of appetite unless they are an integral part of a Christian ministry campus and supported by an appointed Brotherhood Mutual agent. Geographic notes - Brotherhood Mutual is described as a national P&C company serving Christian ministries in most states. A 2024 corporate release notes they serve more than 67,000 ministries in 47 states and DC, meaning a small number of non‑served states remain. ([brotherhoodmutual.com](https://brotherhoodmutual.com/news-media-center/mihc.html?utm_source=openai)) - Payment remittance and contact pages divide the country into Western and Eastern regions (with Kansas/Nebraska/Dakotas/Oklahoma/Texas and all states west in the Western group), which is operationally important for billing, mail and some servicing workflows. Agents should follow those regional designations for correspondence. ([brotherhoodmutual.com](https://brotherhoodmutual.com/contact/?utm_source=openai)) Workers compensation - Written primarily for employees of Christian ministries: churches, schools, camps, and mission organizations. Corporate and partner descriptions repeatedly list workers’ compensation as a core line alongside property, liability and auto. ([truv.com](https://truv.com/verifications/brotherhood-mutual-insurance-employment-verification/?utm_source=openai)) - Foreign voluntary workers compensation is available as part of their foreign commercial package/mission protection program for ministry workers traveling or serving overseas. - Risk management materials stress correct classification of employees vs. independent contractors and the importance of requiring contractors to carry their own workers comp, especially on construction projects, suggesting the carrier is sensitive to misclassification and uninsured subcontractor exposure. Underwriters and agents should verify contractor coverage and avoid ministry assumption of contractor WC exposure. ([brotherhoodmutual.com](https://www.brotherhoodmutual.com/legalassist/independent-contractors.html?utm_source=openai)) Commercial property & commercial package (MinistryFirst / property & liability) - Property is written in conjunction with ministry liability under an integrated ministry-focused package (often branded MinistryFirst or mission protection for foreign risks). Target locations include sanctuaries, education buildings, camp facilities, and supporting ministry property. ([brotherhoodmutual.com](https://brotherhoodmutual.com/index.html?utm_source=openai)) - Foreign commercial package is available for international operations and typically combines foreign package property, liability, and foreign voluntary WC plus optional endorsements like counseling liability, D&O, earnings/donations/extra expense, and evacuation. This is intended for mission organizations and ministries with overseas projects, not general multinational corporate risks. ([brotherhoodmutual.com](https://www.brotherhoodmutual.com/insurance/mission-protection/?utm_source=openai)) - Risk control content for building projects emphasizes use of licensed contractors, certificates of insurance showing WC, GL, auto and builders risk (if provided by contractor), and sound contractual risk transfer—indicating underwriters expect strong controls on construction/renovation exposures for ministry buildings. Liability & auto - Core general liability is tailored to premises and activities of ministries: worship services, classes, events, camps, and outreach activities. Enhanced coverages for pastoral counseling, directors and officers, employment practices, and abuse/molestation are commonly packaged, especially for churches and schools. ([ministrysure.com](https://ministrysure.com/brotherhood-mutual-agent/?utm_source=openai)) - Commercial auto is aimed at ministry-owned vehicles (buses, vans, passenger vehicles) rather than general commercial fleets. Risk appetite favors ministry-related passenger transport, with risk management expectations around driver qualification and use (often detailed through agents and internal materials rather than public guidelines). Submission requirements / process - Brotherhood Mutual operates strictly through appointed independent agents. Prospective insureds and ministries are directed to work with an authorized Brotherhood Mutual agency; there is no direct-to-consumer binding. An example regional agency FAQ notes that you must go through an authorized agent to obtain Brotherhood Mutual coverage. ([ministrysure.com](https://ministrysure.com/brotherhood-mutual-agent/?utm_source=openai)) - New business submissions should therefore flow via appointed ministry-focused agencies that understand their underwriting. Agents are expected to provide full ministry details: type of ministry (church, school, camp, mission), governance/affiliation, property schedule and valuations, activity profile (camps, missions, daycare, transportation), employee/volunteer counts, loss history, and details of any prior abuse or high‑profile incidents. - Because the carrier underwrites to a ministry niche, underwriters will focus on alignment with Christian mission, presence of child protection policies, use of background checks, risk management practices for camps and missions, and adherence to safety recommendations found in their Safety Library and Legal Assist resources. Submissions that demonstrate robust risk controls should trade better on acceptance and terms. Broker / producer notes - Carrier distributes solely via a relatively small set of appointed independent agencies (about 424 agents in 93 agencies nationwide as of 2024). This is a relationship-driven marketplace; non-appointed brokers generally must place business through a preferred Brotherhood Mutual agency rather than direct. ([brotherhoodmutual.com](https://brotherhoodmutual.com/news-media-center/mihc.html?utm_source=openai)) - Many denominations and ministry associations have formal Ministry Partner arrangements naming Brotherhood Mutual as a preferred or recommended carrier. For those accounts, producers should be prepared to coordinate with denominational contacts and highlight available risk management tools (Safety Library, Legal Assist, webinars, checklists) as part of the value proposition. ([tnfwb.org](https://tnfwb.org/brotherhood/?utm_source=openai)) Operational guidance for underwriters and brokers - Treat Brotherhood Mutual as a specialized market for Christian ministries only; route non‑ministry commercial risks elsewhere. - Prioritize church, Christian school, camp and mission accounts seeking comprehensive package solutions (property, liability, auto, and workers comp), including foreign exposures where applicable. - Be attentive to contractor and mission-related exposures (construction projects, short‑term mission trips, international staff) and ensure proper use of foreign package, foreign voluntary WC, and contractual risk transfer with outside entities. - Expect heightened scrutiny on abuse/molestation, youth and camp programs, and high-severity property CAT exposure; strong documented risk management can be decisive. - Use the carrier’s safety and legal resources as selling and retention tools; these are core to their value proposition and dovetail with underwriting expectations on risk control. Note: Brotherhood Mutual’s detailed class-by-class underwriting guides and appetite matrices appear to be distributed through agent/producer channels and SERFF filings rather than posted publicly. The above summarizes what is currently visible in public sources and should be supplemented with the carrier’s proprietary guides accessed via the agent portal for specific class or limit questions.