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’s published appetite is highly specialized and ministry-focused. Current official materials position the carrier for Christian churches and related ministries, specifically including churches, Christian K-12 schools, colleges, camps/retreat centers, mission organizations, and nonprofits serving Christian ministry purposes. Property and liability is presented as a package policy rather than a monoline property form, with customizable property coverage and ministry-specific liability enhancements. Published differentiators include ministry continuation/business income-style protection, religious freedom protection, and optional activity-based liability extensions. Commercial package/property-liability appears best suited for occupied ministry risks with active programming, volunteers, staff, and child/youth-facing operations where insureds value faith-based coverage design and risk-management support. Workers’ compensation is also offered for ministry employers, but Brotherhood Mutual states explicitly that Workers’ Compensation is not available in all states. Geographic guidance is otherwise broad U.S. service, with official pages stating they insure tens of thousands of ministries across the U.S. and that some coverages may not be available in all states. No public broker-facing appetite guide or class-by-class declination bulletin was found on the official site. However, the public-facing materials consistently indicate a focused target market rather than broad commercial appetite: Christian ministries and related institutions, not general secular commercial classes. Operationally, treat non-ministry business, unrelated for-profit operations, or accounts outside the Christian ministry ecosystem as outside the clearly stated public appetite unless confirmed separately. Risk-control content suggests heightened underwriting sensitivity around child safety, facility use by outside groups, contractor relationships, and workplace injury controls. Brotherhood Mutual publicly promotes background screening for employees and volunteers working with or near children, recommends borrower/user groups carry at least $1 million liability limits for facility use, and emphasizes certificates of insurance for contractors performing building projects. Submission/contact flow on the public site is mainly retail/agent-driven: insureds are directed to request a quote through the website or work with a Brotherhood Mutual agent. For workers’ compensation administration, official materials note annual payroll/remuneration audit expectations, classification accuracy review, and submission of claim first notice forms per policy instructions; audit support materials also reference providing certificates of insurance for subcontractors where applicable. Producer notes: Brotherhood Mutual has an agency-user registration portal for authorized agents/agencies, indicating appointed-agent access exists, but no openly accessible producer appetite manual or wholesale/broker submission rules were verified. In absence of a public underwriting manual, the verified guidance is to pursue submissions that clearly fit Christian ministry classes, provide complete operational detail on ministry activities, child/youth interactions, outside facility use, payroll/classifications for workers’ comp, and any contractor or construction exposures.