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 carrier focused exclusively on Christian churches and related ministries (Christian schools, camps, colleges/universities, denominations, mission organizations, and similar nonprofit Christian ministries). It does not present itself as a general commercial market and risks must fit a Christian ministry profile. Preferred / Target Business - Christian churches of all sizes, from small congregations to megachurches, and their related ministries. - Christian K–12 schools, colleges, universities, and seminaries. - Christian camps and conference centers. - Denominational/association offices and other Christian nonprofit ministries (mission organizations, church day care, etc.).([brotherhoodmutual.com](https://brotherhoodmutual.com/insurance/?utm_source=openai)) - Accounts that value risk management resources and will engage with safety, legal, and HR guidance (Safety Library, Ministry Risk Management, Legal Assist).([ministryriskmanagement.com](https://www.ministryriskmanagement.com/?utm_source=openai)) Primary Coverages / Products - Property & liability package for ministries (often written via the MinistryFirst® program) including building, contents, GL, and specialized ministry coverages. - Workers’ compensation for ministry employees. - Commercial auto for owned ministry vehicles. - Accident insurance and mission travel insurance for domestic and foreign mission trips. - Access to risk management, legal, and HR/payroll support through affiliated services (e.g., MinistryWorks payroll) – helpful selling point with ministry accounts, but not an insurance coverage.([brotherhoodmutual.com](https://brotherhoodmutual.com/insurance/?utm_source=openai)) Geographic Notes - Serves ministries throughout most of the United States; publications reference tens of thousands of ministries in 40+ states, but exact state availability can vary by product and is not fully enumerated on public appetite pages.([csbc.com](https://csbc.com/wp-content/uploads/2021/06/Updated-Legal-Issues-for-Ministries-Follow-Up.pdf?utm_source=openai)) - Some specialized coverages may not be available in all states; producers should confirm state eligibility and any catastrophe‑exposed property restrictions with an underwriter. Risk Appetite / Operational Guidance (Inferred from Niche Position) - Underwriting is oriented around religious institutions; appetite is broad within Christian ministry segments but narrow outside them. General commercial-only accounts, non-faith-based nonprofits, or personal lines are outside the typical appetite and generally should not be submitted. - Property: appetite for church and ministry campuses (sanctuaries, education buildings, gyms, camps, dorms, etc.), but property results in recent years have been challenged by weather-related losses; expect scrutiny on catastrophe exposure, older roofs, and building maintenance and stronger emphasis on risk controls.([brotherhoodmutual.com](https://brotherhoodmutual.com/about-us/financials.html?utm_source=openai)) - Liability: focus on premises, operations, counseling, youth activities, and religious freedom exposures. Ministry-specific endorsements and religious freedom protection coverage may be available when written on the MinistryFirst® package to address belief-based decisions and communications.([brotherhoodmutual.com](https://brotherhoodmutual.com/insurance/religious-freedom.html?utm_source=openai)) - Workers Comp: viewed as a key line with historically favorable reserve development; ministries with stable payrolls and reasonable loss history will be preferred.([brotherhoodmutual.com](https://brotherhoodmutual.com/about-us/financials.html?utm_source=openai)) Restricted / Likely Declined Classes (Operational View) - Non-Christian or non-religious commercial enterprises (standard retail, manufacturing, hospitality, contractors, etc.). - Stand-alone personal lines or non-ministry commercial risks. - Ministries unwilling to adopt basic risk management and child/youth protection measures (given the heavy emphasis on safety resources and abuse prevention partnerships).([ministryriskmanagement.com](https://www.ministryriskmanagement.com/?utm_source=openai)) Submission & Producer Notes - Business is written through independent agents/brokers that specialize in church and ministry accounts; many denominations and associations list Brotherhood Mutual as a preferred partner or recommended carrier. - Producers should position submissions as Christian ministries and clearly describe denominational affiliation, governance structure, worship and program activities, and any school/camp/mission components. - Given property catastrophe pressures and some commentary that the carrier is managing its church book more tightly, expect underwriting focus on loss history, location hazards (hail, wind, convective storm, wildfire), building condition, and values adequacy; complete, accurate COPE data and updated replacement cost information will improve receptivity.([churchagent.net](https://churchagent.net/church-insurance-challenges-in-2024/?utm_source=openai)) - No single public-facing underwriting or appetite manual is published on the official site; specific questions on borderline classes, state availability, and large property schedules should be directed to a Brotherhood Mutual underwriter via the appointed agency. Submission Best Practices (for your workflow) - Confirm that the account is a Christian ministry and fits the church/related ministry profile before marketing to Brotherhood Mutual. - Provide: detailed description of ministries (worship, youth, counseling, school, daycare, camp, missions), leadership structure, and risk management practices; 5-year loss runs for all lines; updated property schedule with construction, protection, occupancy, and exposure details; and explanation of any large losses or abuse-related claims. - Highlight engagement with safety programs (written child protection policies, background checks, security protocols, driver screening, and property maintenance plans), as these align with the carrier’s risk management emphasis and can materially improve underwriting reception.([ministryriskmanagement.com](https://www.ministryriskmanagement.com/?utm_source=openai)) Because a formal, line-by-line public appetite or producer underwriting guide is not posted on the carrier’s site, the above reflects what is currently published about their niche, products, and risk focus plus reasonable operational inferences that should be confirmed with the underwriter on specific accounts.