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 property & casualty carrier focused exclusively on Christian churches and related ministries (schools, camps, colleges, missions, and other faith-based organizations). Retail, industrial, or non‑ministry commercial accounts are outside appetite.([brotherhoodmutual.com](https://brotherhoodmutual.com/index.html?utm_source=openai)) Preferred business / target risks - Core appetite is Christian churches and closely related ministries (Christian schools, camps, colleges/universities, mission organizations, and similar faith-based nonprofits).([brotherhoodmutual.com](https://www.brotherhoodmutual.com/?utm_source=openai)) - Comprehensive package is typically written on a ministry-focused form combining property with general liability; many accounts will be placed on the MinistryFirst CMP-style package.([brotherhoodmutual.com](https://brotherhoodmutual.com/insurance/property-and-liability.html?utm_source=openai)) - Workers’ compensation is intended for ministry employees and staff of these organizations, including churches, schools, camps, and mission organizations.([brotherhoodmutual.com](https://brotherhoodmutual.com/index.html?utm_source=openai)) - Carrier emphasizes long-term, ministry-focused relationships through appointed independent agents who specialize in church and ministry risks. Restricted / declined classes (operational view) - Non‑Christian or non‑ministry commercial enterprises (standard main‑street commercial, industrial, or purely for‑profit exposures) are generally outside appetite; Brotherhood Mutual positions itself as serving only Christian ministries.([kbra.com](https://www.kbra.com/publications/gyhFmSQd?utm_source=openai)) - Workers’ compensation availability is state‑dependent and not offered in all jurisdictions; risks in non‑filed or non‑approved states must be placed elsewhere.([brotherhoodmutual.com](https://www.brotherhoodmutual.com/insurance/workers-compensation?utm_source=openai)) - Mission and foreign exposures may be placed via affiliated entities or specialty programs; domestic package still must fit ministry profile.([brotherhoodmutual.com](https://brotherhoodmutual.com/insurance/?utm_source=openai)) - Public documents reference underwriting on an “individual tier underwriting guidelines” basis for workers’ compensation in at least some states, indicating risk‑based pricing tiers and potential restrictions for higher‑hazard classifications or poor loss experience.([hermes.cde.state.co.us](https://hermes.cde.state.co.us/islandora/object/co%3A4667/datastream/OBJ/download/Workers__compensation_and_employers_liability_insurance___a_listing_of_workers__compensation_and_employers_liability_insurance_loss_cost_multipliers_in_Colorado.pdf?utm_source=openai)) Geographic notes - Licensed in “most states” and represented by independent agents in 47 states and DC; confirm availability by state, especially for workers’ compensation and mission products.([brotherhoodmutual.com](https://brotherhoodmutual.com/index.html?utm_source=openai)) - Workers’ compensation specifically is not available in all states; check state availability before marketing or submitting.([brotherhoodmutual.com](https://www.brotherhoodmutual.com/insurance/workers-compensation?utm_source=openai)) Workers’ Compensation – operational guidance - Designed for Christian ministry employees injured in the course and scope of employment; covers medical and related ancillary treatment at 100% per applicable state WC statute.([brotherhoodmutual.com](https://www.brotherhoodmutual.com/insurance/workers-compensation?utm_source=openai)) - Annual premium audit compares estimated remuneration to actual; insureds should maintain accurate payroll records and be prepared to reconcile at audit.([brotherhoodmutual.com](https://www.brotherhoodmutual.com/safety-library/workers-compensation-laws?utm_source=openai)) - Carrier encourages review of job classifications, payroll, and pay‑as‑you‑go options to manage premium accuracy; misclassification is highlighted as a cost driver.([brotherhoodmutual.com](https://www.brotherhoodmutual.com/insurance/workers-compensation?utm_source=openai)) Commercial Property / Package – operational guidance - Property and general liability typically packaged; standard church/ministry property (sanctuaries, classrooms, offices, fellowship halls, camp buildings, etc.) is in appetite when tied to an eligible ministry.([brotherhoodmutual.com](https://brotherhoodmutual.com/insurance/property-and-liability.html?utm_source=openai)) - Package can be customized with ministry‑specific endorsements (e.g., pastoral counseling, mission‑related coverages, specialized liability for ministry operations) via agent.([brotherhoodmutual.com](https://brotherhoodmutual.com/insurance/property-and-liability.html?utm_source=openai)) - Foreign property/liability and mission travel exposures may be written through affiliated mission protection programs and a surplus lines broker; these are handled as part of a broader ministry program placement.([brotherhoodmutual.com](https://www.brotherhoodmutual.com/rm/docs/BGCVA_RoofsEdition-web.pdf?utm_source=openai)) Submission and producer instructions - Brotherhood Mutual does not sell direct; all business is written through authorized, ministry‑focused independent agents. Prospects must be routed through an appointed agency in the applicable state.([brotherhoodmutual.com](https://www.brotherhoodmutual.com/careers/agent-opportunities.html?utm_source=openai)) - Agent appointments are controlled by the carrier; interested producers must contact the company (listed phone/extension) to discuss appointment.([brotherhoodmutual.com](https://www.brotherhoodmutual.com/careers/agent-opportunities.html?utm_source=openai)) - Underwriting relies on agent familiarity with ministry operations. Many state and association partners position Brotherhood Mutual as a preferred or endorsed carrier for churches, and expect agents to guide ministries on coverage and risk management, not just pricing.([brotherhoodmutual.com](https://www.brotherhoodmutual.com/?utm_source=openai)) - Public filings reference established national underwriting guidelines for the MinistryFirst commercial package, with state‑filed rules and rates; anticipate formal guidelines governing eligibility, limits, required coverages, and rating tiers, though the detailed manual is not publicly posted.([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)) - Claims and billing service is centralized and accessed via My Account, customer service, or agent; producers should direct insureds to these channels for claims notice, billing questions, and e‑documents, but initial incident reporting can go through the agency.([brotherhoodmutual.com](https://www.brotherhoodmutual.com/uploads/ikfk3u21a0beyloqdyw4vtb9/attachments/jz4q1s8j9llpdvrlbfkpx4e0-m291-understanding-insurance-policy.pdf?utm_source=openai)) Working principles for underwriters & brokers (inferred from public material) - Confirm that each account’s primary purpose is Christian ministry; verify organizational structure (church, 501(c)(3) ministry, Christian school or camp, etc.). - For packages, seek to place property, GL, and key ministry‑specific coverages together; avoid monoline placements that leave core ministry exposures with other carriers, unless directed by underwriting. - Screen out non‑ministry commercial exposures in the same entity (e.g., unrelated commercial rental, for‑profit operations open to the general public) unless clearly incidental and acceptable to underwriting. - For workers’ compensation, review state eligibility, payroll estimates, class codes (church office vs school vs camp vs maintenance vs childcare), and safety practices; expect underwriting focus on accurate class assignment and loss history. No public, line‑by‑line underwriting manual or appetite table is posted on the open website; detailed class‑level eligibility, limits, and referral/decline criteria must be obtained from the internal underwriting guide or marketing/underwriting contacts.