Brotherhood Mutual Insurance Company Review & Ratings (2023)

Brotherhood Mutual Insurance Company (BMIC) is the second-largest property and casualty insurance company for Christian churches and related ministries in the United States, with over 65,000 customers. It has been around since 1917 and operates in 47 states plus the District of Columbia. It’s important to understand the Washington D.C. car insurance regulations and required coverage if you live in this area and want to go through Brotherhood Mutual.

If you run a Christian ministry or volunteer for one, you need to know if Brotherhood Mutual Insurance Company is right for you. But what are people saying about the company?

Continue reading for some actual customer reviews and learn more about the company’s A.M. Best rating. But first, let’s recap some of the company’s basic details.

What You Should Know About Brotherhood Mutual Insurance Company

Specifically, what types of insurance can you acquire with Brotherhood Mutual? Also, how is the company’s claims process, and how can you make payments to BMIC?

Overview of Brotherhood Mutual’s Insurance Coverage

Brotherhood Mutual Insurance Company offers a full suite of coverages. These are some products that the company sells:

• Property insurance
• General liability coverage
• Excess liability insurance
• Commercial auto insurance
• Workers’ compensation insurance
• Mission travel insurance
• Accident insurance
• Cyber insurance
• Payroll insurance (MinstryWorks by Brother Mutual)
• Employee health benefits
• Notion sensors

Read more about the company’s coverages in our Brotherhood Mutual Insurance review.

Overview of Brotherhood Mutual’s Claims Process

Here are some methods you can use to report a claim for most Brotherhood Mutual services:

• You can file a property or liability insurance claim online or call 800-333-3371. The Brotherhood Mutual insurance phone number for worldwide liability claims is 977-511-1012.
• To file a claim for missionary work, you can call 800-876-4994. The number is available for contact Monday through Friday from 8 a.m. to 4:30 p.m. (EST).
• You can file a commercial auto claim online or by calling 800-333-3371. Call Safelite Solutions at 800-382-2926 for glass claims.

After you file a claim, Brotherhood Mutual will assign an in-house claims adjuster to work with you. Brotherhood Mutual agents follow a code of ethics consistent with scriptural principles, and they actively work in churches and ministries.

Also, the company promises to answer any questions you have about the process within one business day.

For workers’ compensation claims, you can send a First Report of Injury to Brotherhood Mutual’s claims department as an email attachment or fax the form at 800-284-9579.

For assistance with a workers’ compensation claim, you can call the claims department at 800-333-3371 during regular business hours or contact the emergency line at 800-933-1849.

Making a Payment to Brotherhood Mutual

You can mail your payment to one of two Brotherhood Mutual insurance locations or pay online if you set up an account.

Customers located in the Western United States can send payments to Brotherhood Mutual Insurance Company, Dept. 710069, P.O. Box 514670, Los Angeles, California 90051-4670. Brotherhood Mutual’s western state locations include Kansas, Nebraska, North Dakota, Oklahoma, South Dakota, Texas, and all states west of those.

Customers in the Eastern U.S. may send their payments to Brotherhood Mutual Insurance Company, P.O. Box 631485, Cincinnati, Ohio, 45263-1485. Brotherhood Mutual’s eastern state locations include Arkansas, Iowa, Minnesota, Missouri, Louisiana, and all states east of those.

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Brotherhood Mutual Insurance Company’s A.M. Best Rating

Brotherhood Mutual Insurance Company received an A- (excellent) rating from A.M. Best but with a negative outlook. A.M. Best affirmed the A- rating in February 2021 and February 2022 due to Brotherhood Mutual’s balance sheet strength:

• Brotherhood Mutual finished 2021 with over $1 billion in admitted assets, an increase from $879,696,512 in assets at the end of 2020.
• For 2021, Brotherhood Mutual reported a policyholder surplus of $324,427,475, up from $297,570,577 for 2020.
• The insurance company reported a net income of $11,533,089 for 2021, an increase from $3,273,948 for 2020.

A.M. Best attributes the negative outlook for Brotherhood Mutual Insurance Company to the financial pressures that the company faces. These pressures derive from losses in 2020, plus a volatile underwriting trend in an already small market.

Brotherhood Mutual’s BBB Rating and Reviews

Brotherhood Mutual Insurance Company received an A+ rating from the Better Business Bureau (BBB). The BBB first accredited Brotherhood Mutual on July 1, 1974.

Currently, the insurance company has two negative reviews on the BBB website.

On August 15, 2021, one user left a one-star review for Brotherhood Mutual to complain about a situation involving a contractor. Specifically, the insurance company refused to pay what the contractor listed on an invoice. The user went on to say that their church might have a lien placed on it.

On February 23, 2021, another user left a one-line, one-star review for Brotherhood Mutual to claim that the insurance company drops customers after one claim.

The company closed one BBB complaint in the past three years. On April 8, 2019, one anonymous user claimed that Brotherhood Mutual had sent them numerous cancellation notices and charged them a $20 reinstatement fee each time. The user’s latest cancellation happened after their check cleared after their due date.

Fortunately, the company has received no BBB complaints over the last 12 months.

Brotherhood Mutual Insurance Company Customer Reviews

Brotherhood Mutual shares 12 positive reviews on its website. Specifically, there are two videos and 10 direct quotes from BMIC customers. The reviews come from pastors, financial officers, and event directors. To quickly summarize, this is what satisfied BMIC customers have to say about the company:

• Brotherhood Mutual offers a quality product with competitive pricing.
• The insurance company understands the needs of ministries. This knowledge is what BMIC can perfectly tailor insurance packages for parishes and other Christian organizations.
• Brotherhood Mutual is responsive to customers who have questions about coverages.
• Brotherhood Mutual’s staff is knowledgeable and can give customers sound advice when those customers need to make physical changes to their church buildings, among other things.
• BMIC is a great companion for an expanding college.
• Brotherhood Mutual can help financial directors who need to comply with payroll regulations in multiple states.
• Brotherhood Mutual has fantastic customer service.

Some customers had switched to Brotherhood Mutual from other companies, but at least one customer had been with Brotherhood Mutual Insurance Company for 30 or more years.

Additionally, Brotherhood Mutual shares some success stories regarding its employee health benefits package. According to these summaries, a church in Texas and a college in Indiana were able to save on health insurance by switching to Brotherhood Mutual. Read more about the best comprehensive healthcare providers for more information.

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Is Brotherhood Mutual Insurance Company the right choice for your organization?

If you run a Christian ministry, nonprofit, camp, or educational institution, you want an insurance policy that offers adequate protection for foreseeable events and possibly an umbrella policy. As you can see, the company has mixed reviews, but it also has a full suite of coverages. Read what every business owner needs to know about commercial insurance before making a purchase.

You might want to compare Brotherhood Mutual to companies with similar clientele and acquire a few quotes.

You can search Brotherhood Mutual’s website or call its corporate headquarters at 800-333-3735 to learn more about the company’s coverages or request a quote. Alternatively, you can mail inquiries to 6400 Brotherhood Way, Fort Wayne, Indiana 46825.

Are you currently a Brotherhood Mutual Insurance Company customer? If so, please leave a review of your own below.