Georgia's Award-Winning Brotherhood Mutual Agency
Michael and Matthew Campbell have each earned Brotherhood Mutual's Rookie of the Year and Agent of the Year awards. Together with their team, they serve 700+ Georgia ministries as independent, specialist agents.
Recognition like that doesn't happen without the right people behind it. Today, alongside producer Gabe Farmer and a team of account managers who know your ministry by name, MinistrySure continues to grow — not just in size, but in the depth of care we bring to every church, school, and ministry we serve. We're ready when you are.
Your Brotherhood Mutual Team in Georgia
MinistrySure's Brotherhood Mutual team in Georgia includes producers Michael Campbell, Matthew Campbell, and Gabe Farmer — backed by a dedicated account management staff of three. Both Michael and Matthew earned Brotherhood Mutual's Agent of the Year and Rookie of the Year awards. This six-person sales and service team works exclusively with churches, schools, and faith-based ministries.
Michael Campbell
Managing Principal
Matthew Campbell
Principal
Gabe Farmer
Producer
Account Management
Marnie Valcarcel
Senior Account Manager
Erin Sellers
Account Manager
Recognized by Brotherhood Mutual
A tale of brotherly love — and competition.
In 2008, Matthew earned Brotherhood Mutual's Rookie of the Year. In 2011, Michael didn't just win Rookie of the Year — he also became Agent of the Year, the first new producer in company history to outsell every other agent in his first year.
Matthew answered back in 2015, earning Agent of the Year himself.
The brothers grew up competing on the basketball court in Sun City, California. That same drive carried into their careers — and ultimately brought them together at MinistrySure, where they now serve 700+ Georgia ministries side by side.
Based on "Rookie of the Year 2011: A Tale of Brotherly Love" — Brotherhood Mutual
What is Brotherhood Mutual?
Brotherhood Mutual is an insurance company that has served churches, schools, camps, and faith-based ministries since 1917. Unlike commercial carriers that insure churches as one of many business types, Brotherhood Mutual's entire operation is built around ministry.
Their underwriters understand church governance. Their claims team has handled thousands of ministry-specific claims. Their policy forms include coverages — like pastoral counseling liability and abuse and molestation — that commercial carriers often exclude, sublimit, or handle poorly.
Brotherhood Mutual doesn't insure restaurants, retail stores, and shopping centers. They insure churches, schools, and ministries. Period.
Why should your church use a Brotherhood Mutual agent?
A Brotherhood Mutual agent gives your church access to ministry-specific policy forms, an experienced ministry claims team, free risk management resources, and pricing that reflects actual church loss experience — not commercial rates adapted for religious organizations. An authorized agent like MinistrySure knows Brotherhood Mutual's underwriting and can match the right coverages to how your ministry operates.
Ministry-specific policy forms
Brotherhood Mutual's policies include coverages built for church operations — pastoral counseling, abuse and molestation, volunteer accident, religious freedom defense — not commercial add-ons.
Experienced ministry claims team
When you have a claim, Brotherhood Mutual's adjusters understand the context. They've handled church property damage, staff injuries, counseling allegations, and board disputes thousands of times.
Risk management resources
Brotherhood Mutual provides free safety resources, background check tools, policy templates, and training materials designed specifically for churches and ministries.
Competitive pricing for ministry
Because Brotherhood Mutual only insures ministries, their pricing reflects actual ministry loss experience — not commercial rates adapted for churches.
What does Brotherhood Mutual cover?
Brotherhood Mutual covers property, general liability, pastoral counseling, directors and officers, employment practices, abuse and molestation, workers' compensation, commercial auto, umbrella liability, cyber liability, student accident, and educators legal liability. These coverages are designed specifically for churches, schools, camps, and ministries — not adapted from standard commercial policies.
Property & Building
Protection for sanctuaries, education buildings, parsonages, and contents.
General Liability
Coverage for bodily injury and property damage claims from church operations.
Pastoral Counseling
Liability protection for pastors and staff providing spiritual counsel.
Directors & Officers
Protects board members and officers from claims of mismanagement or breach of duty.
Employment Practices
Coverage for wrongful termination, discrimination, and harassment claims.
Abuse & Molestation
Dedicated coverage — not a sublimit — for allegations involving minors or vulnerable adults.
Workers' Compensation
Required in Georgia for churches with 3+ employees. Covers staff injuries on the job.
Commercial Auto
Coverage for church vans, buses, and vehicles used in ministry operations.
Umbrella Liability
Extra liability protection above your primary policy limits.
Cyber Liability
Protection for data breaches, ransomware, and online giving platform exposure.
Student Accident
Medical coverage for injuries during school, camp, or youth ministry activities.
Educators Legal Liability
Protection for teachers and administrators in Christian school settings.
See how these coverages apply to churches, Christian schools, and camps. Read our complete guide to church insurance in Georgia or learn how to switch to Brotherhood Mutual.
Why Brotherhood Mutual Beats Other Carriers
Brotherhood Mutual Advantages
- • 100+ years serving churches exclusively
- • Policy forms designed for ministry operations
- • Claims adjusters who understand church activities
- • Specialized abuse prevention programs
- • A.M. Best A+ financial rating
- • Ministry-specific risk management resources
Commercial Carrier Limitations
- • Generic policies adapted for churches
- • Claims adjusters unfamiliar with ministry
- • Limited understanding of volunteer activities
- • Restrictive coverage for counseling services
- • Higher rates for perceived "unknown" risks
- • Limited ministry-specific resources
Coverage Comparison: Brotherhood Mutual vs. Commercial Carriers
| Coverage Area | Brotherhood Mutual | Commercial Carriers |
|---|---|---|
| Abuse & Molestation | Included in base policy | Often excluded or expensive add-on |
| Volunteer Coverage | Comprehensive volunteer accident | Limited or excluded |
| Counseling Liability | Built-in pastoral counseling coverage | Requires separate professional liability |
| Claims Service | Ministry-trained adjusters | General commercial adjusters |
| Risk Management | Church-specific safety programs | Generic commercial resources |
Brotherhood Mutual FAQ
Is Brotherhood Mutual only for large churches?
No. Brotherhood Mutual serves churches of all sizes, from small rural congregations to large multi-campus churches. Their rates are competitive for ministries of every size.
How does Brotherhood Mutual handle claims differently?
Brotherhood Mutual assigns claims adjusters who understand church operations. They know the difference between volunteer activities and employee functions, understand church governance, and handle claims with ministry sensitivity.
Can we switch to Brotherhood Mutual mid-term?
Yes. Churches can switch at any time, often without penalty. We coordinate the transition to ensure no coverage gaps and proper cancellation of existing policies.
Does Brotherhood Mutual cost more than commercial carriers?
Often less expensive when comparing equivalent coverage. Brotherhood Mutual's ministry focus means they understand church risks better and can price more competitively than carriers guessing at ministry exposures.
What if we have a claim during the transition?
We time transitions to avoid coverage gaps and ensure any claims are handled properly. Existing claims typically remain with your current carrier while new claims go to Brotherhood Mutual.
Brotherhood Mutual — questions answered
What is Brotherhood Mutual and why do they specialize in churches? +
Brotherhood Mutual is an insurance company founded in 1917 that exclusively serves churches, schools, camps, and faith-based ministries. Unlike commercial carriers, their entire operation — underwriting, claims, risk management — is built around ministry-specific risks.
Do I need to go through an agent to get Brotherhood Mutual coverage? +
Yes. Brotherhood Mutual works exclusively through authorized agents. MinistrySure is an authorized Brotherhood Mutual agency in Georgia. Working with an experienced agent means you get help selecting the right coverages, accurate property valuations, and an advocate during the claims process — not just a quote.
What coverages does Brotherhood Mutual offer for churches? +
Brotherhood Mutual offers a comprehensive package for churches including property, general liability, pastoral counseling liability, directors and officers (D&O), employment practices liability (EPLI), abuse and molestation coverage, workers' compensation, commercial auto, umbrella liability, and cyber liability. Their policy forms include ministry-specific language not found in standard commercial policies.
Get a Brotherhood Mutual quote for your ministry
As an authorized Brotherhood Mutual agency, we can provide a full coverage review comparing Brotherhood Mutual with other ministry-focused carriers.