Brotherhood Mutual Insurance Review (2022)

Churches and religious organizations can purchase property and liability insurance through Brotherhood Mutual. The company has been in business for more than 100 years, and you can get online quotes via the Brotherhood Mutual website.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Mar 12, 2022

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The Rundown

  • Brotherhood Mutual provides property and liability insurance for churches.
  • Brotherhood Mutual has been in business for more than 100 years.
  • You can get quotes from Brotherhood Mutual online.

Churches, just like homes and businesses, need to be protected from disasters. Luckily, there are plenty of insurance companies in today’s market that can provide protection for your religious organization, but trying to find the perfect policy can be a bit difficult.

While you should always compare insurance quotes from at least three different companies, Brotherhood Mutual reviews like this one can help you narrow down your choices so you can get your organization the protection it needs.

Keep reading to learn more about Brotherhood Mutual, the coverages it offers, and how you can file a claim with this company.

What is Brotherhood Mutual?

Founded in 1917 by Mennonite leaders, Brotherhood Mutual has a long history of providing insurance to Christian churches and religious organizations.

Brotherhood Mutual agents can be found throughout the United States. Since its origination, this company has grown to become one of the largest commercial property insurance providers for churches. Brotherhood Mutual’s head office is located at 6400 Brotherhood Way, Fort Wayne, Indiana.

Individuals interested in seeking employment with this company can visit the website to find available Brotherhood Mutual jobs.

While there is not a Brotherhood Mutual agent login tool on the website, Brotherhood Mutual clients can access their accounts online and choose to go paperless. You can also get a quote directly from the website without visiting any of the Brotherhood Mutual Insurance locations.

If you have questions or concerns about your Brotherhood Mutual policy, you can call the brotherhood mutual phone number, 1-800-380-5474, during regular business hours. You can send in an email via the website as well. Brotherhood Mutual also offers flexibility when making payments on your policy. You can make a payment through your online account or by mailing in your payment.

A live chat tool is also available on the website, so you can engage with Brotherhood Mutual right away.

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What coverages does Brotherhood Mutual offer?

Brotherhood Mutual offers solid protection for churches through coverages like these:

  • Property insurance
  • Liability insurance
  • Excess liability insurance

With property insurance, you can protect the structure of your church and the property within it as well from covered losses like theft. Liability insurance protects your organization’s financial assets in the event of a lawsuit, and you can even purchase excess liability insurance to further mitigate that risk.

Does Brotherhood Mutual offer other insurance products?

You can turn to Brotherhood Mutual if you need any of these insurance products:

  • Worker’s compensation
  • Accident insurance
  • Commercial Auto
  • Mission Travel

While you cannot get group health insurance through Brotherhood Mutual, you can purchase protection your church’s employees with a worker’s compensation policy. This coverage can help your employees get the help they need if they encounter any injuries or illnesses while conducting their jobs. Not only does this plan assist your employees, but it protects your church from liability suits as well.

With accident insurance, your organization can help volunteers, children, missionaries, and others cover the cost of an ambulance or hospitalization if there were to be an accident.

If your religious organization regularly uses a vehicle, a commercial auto policy from Brotherhood Mutual can get you the coverage you need to be street-legal, but domestic excursions aren’t the only types of travel protected by Brotherhood Mutual.

In addition, you can purchase mission travel insurance if your church or organization plans on traveling abroad for mission-related events. This coverage includes foreign liability, travel medical, and commercial property.

Does Brotherhood Mutual offer competitive rates?

Sample rates are not offered on the Brotherhood Mutual website, so you will need to get a quote to determine how much property or commercial auto insurance with Brotherhood Mutual could cost you. You can, however, save money with the Brotherhood Mutual deductible reduction discount.

You may be eligible for this discount if you own a Brotherhood Mutual policy and have not filed a claim for at least two years. If your policy is claim free for this long, you could get a $500 reduction on your deductible.

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Is it easy to file a claim with Brotherhood Mutual?

If you ever need to file a claim with Brotherhood Mutual, you can do so easily. While no Brotherhood Mutual claims address is listed, you can call 1-800-933-1849 or report your property claim online. Bear in mind that filing a claim can increase your rates.

Is Brotherhood Mutual highly rated?

Consumers looking for a reliable and financially strong company will be pleased to hear that Brotherhood Mutual has excellent ratings.

A.M. Best awarded Brotherhood Mutual an A- rating, which signifies that this company has the financial reserves necessary to pay out any claims you may file.

Brotherhood Mutual also has an A+ rating with the Better Business Bureau (BBB). This high BBB rating indicates that you can expect high-quality service whenever you interact with a Brotherhood Mutual representative.

You can compare these ratings to other major companies that provide commercial policies here:

GEICO vs. State Farm Financial Strength and Customer Satisfaction Ratings
AgenciesGEICO RatingsState Farm Ratings
AM BestA++A++
NAIC Complaint Index1.140.98
J.D. Power - Power Circle RatingsAbout AverageBetter Than Most
Apple App Store (iOS) Ratings5 stars3 stars
Google Play Store (Android) Ratings5 stars4 stars
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As you can see, you can have options when it comes to picking a highly rated company that can provide you with the coverage that you need.

What You Need to Know About Brotherhood Mutual Insurance

For more than 100 years, Brotherhood Mutual has provided religious organizations with insurance to protect church structures and property. You can request a quote online or speak with a representative via the company’s live chat feature. You can also purchase other types of insurance through Brotherhood Mutual, like commercial auto and mission insurance.

When shopping for insurance for your church or religious organization, don’t forget to compare multiple quotes to be sure that you are getting the best deal.

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