Brotherhood Mutual Insurance Company Review & Complaints: Church Insurance (2024)

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Finding what you need to know about insurers and their products is often difficult. Whether you’re looking for church insurance, auto insurance, or another insurance policy, most companies offer similar products, and narrowing down the best can be overwhelming.

Fortunately, our experts have done the research for you in this Brotherhood Mutual Insurance Company review. Brotherhood Insurance for churches offers niche coverage, providing church insurance policies and related ministries. Brotherhood Mutual quotes are not currently available online.

Were you hoping to find affordable Brotherhood Mutual car insurance rates? Before starting this Brotherhood Mutual Insurance Company review, find affordable insurance quotes for your area by entering your ZIP code into our FREE online tool.

Not yet ready to buy Brotherhood Mutual Insurance? Take a look at our guide.

What is Brotherhood Mutual Insurance Company?

Brotherhood Mutual was founded in 1917 by a Mennonite group, and with its headquarters in Fort Wayne, Indiana, it offers coverage across the country and beyond. It has since grown to be the second-largest insurer of Christian churches and related institutions. It provides church insurance coverage as well as coverage for schools, missions, camps, and more.

The distinctive Brotherhood Mutual logo, which depicts a light shining through a church window, is indicative of the company’s mission to help America’s churches and related ministries reach their goals.

Not surprisingly, Brotherhood Mutual operates on a faith-based values system. Its products are available in 46 states and the District of Columbia and include property, liability, travel, commercial auto, and worker’s comp.

In addition to insurance, Brotherhood Mutual also provides legal and payroll services. In keeping with its values, the company also operates its own mission and is active in the support of various charities.

Although Brotherhood Mutual writes policies for churches of all Christian denominations, it sparked controversy in 2008 after denying church insurance coverage for its pro-marriage equality stance and ordination of gay ministers.

Church insurance policies are sold through agents in Brotherhood Mutual Insurance locations across the country.

Information about Brotherhood Mutual careers and jobs can be found on the company website under “careers”.

What Types of Insurance Products are Offered by Brotherhood Insurance, Fort Wayne?

Brotherhood Insurance Company products are specifically designed for the needs of churches and related institutions. This includes coverage for church-owned property, vehicles, and group travel for missionary work. The website offers a basic outline of the offered products.

Property and Liability

The base package policy includes coverage for structures and property, as well as liability to protect from a variety of risks. Brotherhood policies also offer optional Excess Liability coverage to increase the level of coverage.

Worker’s Compensation

Like any employer, churches need Worker’s Compensation coverage plans to protect employees from job-related injuries or illnesses. These benefits help with medical needs and also protect the church itself from costly liability suits.

Accident Insurance

Separate from Worker’s Comp, accident insurance plans provide medical coverage in the event of an accident and can cover employees, students, missionaries, children, volunteers, and more. These policies cover hospital costs, ambulance expenses, prescriptions, and more.

Read more: Life Insurance Guide for Missionaries

Commercial Auto

Looking for Brotherhood Mutual car insurance plans? Brotherhood writes commercial auto policies to cover vehicles owned and operated by churches and similar organizations. These policies offer liability, collision coverage, comprehensive coverage, and personal injury protection. For more information on car insurance coverage types, check out our Complete Guide to Buying Car Insurance.

Mission Travel

Brotherhood Insurance for churches offers a range of coverage for those traveling abroad on mission-related work. These coverages include:

• Travel Medical
• Worldwide Liability
• Kidnap and Ransom
• Foreign Liability/Auto Liability
• Commercial property

Are the Company’s Rates Reasonable?

The company’s website does not offer rate information online, which is standard for this sort of company and its products. Because the factors involved in rating this sort of risk are so varied, the best way to request an accurate quote is to contact a Brotherhood Mutual agent.

A brief description of the Brotherhood Mutual Insurance Company COVID resources is available on the company’s website.

Claims Process at Brotherhood Mutual Insurance Company

Ease of Filing a Claim

Brotherhood Mutual Insurance Company offers multiple avenues for policyholders to file insurance claims, ensuring a seamless and convenient process. Whether policyholders prefer to submit claims online, over the phone, or through designated mobile apps, the company provides flexibility to meet individual preferences and needs.

Average Claim Processing Time

The specific processing time for claims with Brotherhood Mutual may vary based on the nature and complexity of each claim. Brotherhood Mutual Insurance Company is committed to ensuring timely claim resolutions, with a track record of efficient processing.

However, claim processing times can fluctuate, as is common in the insurance industry, but the company aims to minimize any delays in settling claims.

Customer Feedback on Claim Resolutions and Payouts

Brotherhood Mutual Insurance Company has garnered feedback from its customers regarding the resolution of claims and the payout process. Many policyholders have expressed satisfaction with the company’s handling of claims.

Brotherhood Mutual’s reputation for delivering fair and effective claim settlements is reflected in positive customer experiences. The company’s commitment to transparency and delivering on its promises is evident in customer testimonials.

Digital and Technological Features by Brotherhood Mutual Insurance Company

Mobile App Features and Functionality

Brotherhood Mutual Insurance Company offers a user-friendly mobile app equipped with a range of features and functionalities. Through the app, policyholders can access essential insurance information, review policy details, and conveniently initiate claims.

Additionally, the app provides tools to help policyholders locate in-network service providers, track the status of their claims, and manage their policies effortlessly on mobile devices. Brotherhood Mutual’s mobile app empowers policyholders with control and convenience in managing their insurance coverage on the go.

Online Account Management Capabilities

Policyholders with Brotherhood Mutual Insurance Company benefit from robust online account management capabilities. The company’s online portal offers efficient options for managing policies, accessing and downloading important documents, and making premium payments conveniently.

The portal serves as a secure platform for reviewing claims history, monitoring pending claims, and accessing valuable resources related to insurance coverage. With 24/7 access to their accounts, policyholders have the flexibility to stay informed and maintain control over their insurance coverage.

Digital Tools and Resources

Brotherhood Mutual Insurance Company provides a variety of digital tools and resources designed to enhance the overall customer experience. These resources encompass educational materials, wellness programs, and calculators for estimating insurance costs.

The company’s commitment to leveraging technology extends to telehealth services, enabling policyholders to connect with healthcare providers remotely for consultations and medical advice.

Are the Company’s Reviews & Ratings Positive?

Brotherhood Mutual has an A+ rating with the Better Business Bureau (BBB), without a complaint on file in the past three years. The company has been accredited by the BBB since 1974.

Brotherhood Mutual reviews have an overall 4.9-star rating on Google, with a total of 14 reviews. It should be noted that many of the reviews were left by employees and not customers. The company’s Facebook page has one 5-star review.

It is not surprising that there are so few reviews directly from customers, given the nature of the company’s products and services. Complaints and problems are likely handled more privately.

The company’s website doesn’t state any specific locations apart from the corporate headquarters in Fort Wayne, Indiana; specifically Brotherhood Insurance, Shawnee, OK, Brotherhood Insurance, Newborn, NC, and Brotherhood Mutual, Springfield, MO.

What’s the Bottom Line?

Brotherhood Mutual is a large provider of church and church-related business owners policies, and it has been in the market for a very long time. It is likely a good choice for anyone whose needs and values fall in line with what this company offers.

If you came to this review hoping to learn more about Brotherhood Mutual car insurance quotes, you can get free insurance rates for your area simply by typing your ZIP code below.

References:

• https://www.bbb.org/us/in/fort-wayne/profile/insurance-services-office/brotherhood-mutual-insurance-company-0352-908
• https://www.iii.org/article/understanding-business-owners-policies-bops