Have a question? Our team has the answer.

Most Georgia churches need property insurance, general liability, workers' compensation (required for employers with three or more employees), and commercial auto if the church owns vehicles. Churches with staff should also carry directors and officers (D&O) liability, employment practices liability (EPLI), and abuse and molestation coverage.

Premiums vary based on building values, location, staff count, and coverage types. Established churches with owned buildings and active programming typically pay $10,000–$50,000 per year, with most around $20,000. A coverage review compares options from specialized carriers.

MinistrySure specializes exclusively in churches, Christian schools, colleges, and faith-based ministries — we don't write commercial or personal insurance. As authorized Brotherhood Mutual agents serving 700+ Georgia ministries, we bring 30+ years of combined ministry insurance experience.

A coverage review is a no-obligation conversation where a MinistrySure advisor reviews your current insurance policies, identifies gaps or overlaps, and compares options from carriers that specialize in ministry coverage. We present a clear side-by-side comparison so your leadership team can make an informed decision.

It isn't legally required — Georgia's workers' compensation requirement starts at three employees. Many churches below that threshold still carry it voluntarily to cover medical bills for staff injuries and to limit the church's liability. Once you hire a third employee, full-time or part-time, coverage becomes mandatory.

Five levers matter most: get an accurate replacement-cost valuation (overinsuring wastes money), implement safety and background-check programs (some carriers offer credits), bundle coverages with a ministry-focused carrier, choose a deductible your reserves can absorb, and review coverage annually so you're not paying for coverage you no longer need. The church insurance cost guide covers each one.

Your MinistrySure advisor helps you report the claim to the carrier and guides you through every step. Brotherhood Mutual's claims team handles ministry-specific situations — property damage, liability, employment disputes. We stay involved until it's resolved.

Yes. You can switch at any renewal date, and sometimes mid-term. Your current carrier issues a pro-rated refund for unused premium. We handle the transition so there's no gap in coverage.

No. A cancellation ends coverage mid-term. A non-renewal means your carrier won't offer a new term when the current policy expires — your coverage stays in force until the renewal date. That window is your time to act: gather your loss runs and let a ministry specialist market your account before the deadline.

Building value (total insured value) is typically the single largest cost driver. A church insuring a $5 million campus will pay significantly more than one insuring a $500,000 building. After property values, staff count, location, programs and activities, and claims history are the next most significant factors.

Yes. Packaging property, general liability, and other coverages into a single policy — sometimes called a Business Owner's Policy (BOP) or package policy — is usually more cost-effective than buying separate policies. Specialized ministry carriers like Brotherhood Mutual offer package programs designed specifically for churches.

Yes. A history of frequent or severe claims can increase premiums or limit carrier options. Conversely, a clean claims history helps secure better rates. Implementing safety programs, proper maintenance, and risk management practices can help keep claims down and premiums manageable over time.

Complete our free coverage review — it takes about three minutes. Tell us your building value, programs, and claims history, and we'll show you what our program would likely run for a ministry like yours, where your current premium sits against that, and exactly which coverages the figure includes. It's an indication, not a quote: firming up real pricing means reviewing your current policy, your loss history, and the condition of your buildings, which is what a producer does on the follow-up call.

For well-run ministries, yes. After several years where non-renewals and steep rate increases were the norm, carriers are competing again for churches with clean loss histories — ministries with no recent claims are seeing preferential pricing. If your church hasn't compared coverage and premium in the last two or three years, a review now is well timed.

Carriers non-renew churches with clean records for reasons that have nothing to do with the church itself — market exits, reinsurance cost increases, underwriting appetite changes, or portfolio restructuring. Georgia churches in hail-prone or coastal areas are especially affected when carriers tighten geographic restrictions after major weather events.

In most cases, we secure replacement coverage well before your renewal date — often within a few weeks. Contact us as soon as you receive a non-renewal notice. The more time we have, the more carrier options we can explore.

A market-driven non-renewal does not carry the same weight as a cancellation for claims. Most ministry-focused carriers like Brotherhood Mutual understand that non-renewals happen when carriers exit markets or change their appetite. As long as your claims history is clean and your building is in reasonable condition, a non-renewal alone should not prevent you from finding strong replacement coverage.

If your current policy expires without replacement coverage in place, your church will have a gap in insurance. During that gap, your buildings, staff, and ministry activities are unprotected from liability claims, property damage, and other losses. Lenders may also require proof of continuous coverage. Contact MinistrySure as soon as you receive a non-renewal notice — the earlier we start, the more options we have to secure coverage before the deadline.

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.

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.

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.

You can't, and you don't need to. Brotherhood Mutual issues a quote on any given church through one agency at a time, so calling multiple Brotherhood agents won't get you different numbers — every Brotherhood agent submits the same risk to the same underwriting team and gets back the same price. The decision that matters is which agent you trust to own that relationship — service, claims advocacy, renewal — for the next several years.

MinistrySure is an independent Brotherhood Mutual agency. Both of our principals have received Brotherhood Mutual's Agent of the Year recognition — Michael Campbell in 2011 and Matthew Campbell in 2015 — along with Rookie of the Year recognitions earlier in their careers (Matthew in 2008, Michael in 2011).

Brotherhood Mutual is our primary carrier — most of our 700+ Georgia ministries are insured through Brotherhood. We pair it with workers compensation through Brotherhood, Hartford, or AmTrust depending on the situation.

Our additional carrier appointments include Insurance Board (a denomination-affiliated nonprofit serving UCC, Disciples of Christ, PC(USA), ELCA, Alliance of Baptists, and Reformed Church in America), Philadelphia Insurance, and Glatfelter — used selectively for ministries whose risk profile doesn't fit Brotherhood.

We're Brotherhood Mutual specialists with the flexibility of an independent agency.

If you're a current Brotherhood Mutual policyholder served by another agency, your existing agency-of-record relationship stays with them — that's how Brotherhood structures their book. The right starting place for any coverage questions, claims, renewals, or service issues is your current agent.

If you're shopping for ministry insurance and don't currently have Brotherhood Mutual coverage, we'd welcome a conversation. Start with our coverage review request form and we'll be in touch within one business day.

Brotherhood Mutual sells only through authorized independent agencies, so finding an agent means finding an appointed agency in your state. MinistrySure is an authorized Brotherhood Mutual agency based in Loganville, Georgia, serving ministries statewide — both principals have earned Brotherhood Mutual's Agent of the Year award. Because Brotherhood quotes each church through one agency at a time, choose the agent you want long-term before requesting a quote.

Brotherhood Mutual is the largest church-focused insurance carrier in the U.S., insuring more than 50,000 ministries since 1917. It is structured as a mutual company owned by its insured ministries, and its policy forms are written for how churches operate — abuse and molestation, pastoral counseling liability, and religious freedom defense are built in rather than sold as add-ons. Read what Georgia churches say about working with us as their Brotherhood Mutual agency.

For policy questions, coverage changes, certificates, or renewals, contact your Brotherhood Mutual agent — the agent owns your file, so that's the fastest path. MinistrySure clients can call (770) 716-0180. To report a property or liability claim, Brotherhood Mutual's claims line is (800) 333-3371; our claims page walks you through the whole process, and our team will file it with you.

At minimum, Georgia churches need property coverage, general liability, and workers' compensation (required with three or more employees). Most also need directors and officers (D&O), abuse and molestation coverage, counseling liability, and commercial auto if the church owns vehicles. The right mix depends on your size, staff, and programs.

General liability covers injuries to volunteers on church property, but it doesn't cover their medical bills the way workers' comp covers employees. Many churches add volunteer accident coverage — a low-cost policy that pays medical expenses for volunteers hurt during church activities, regardless of fault.

General agents rarely encounter risks specific to churches — counseling liability, volunteer injury gaps, mission trip coverage, or church-owned vans. A ministry-focused agent knows what questions to ask because they work with churches every day. That means fewer gaps and coverage that actually fits how your church operates.

No. Standard general liability policies exclude abuse and molestation — including negligence claims against the church itself, such as negligent hiring or failure to supervise. Churches need a separate abuse and molestation (Sexual Acts) limit, ideally one where legal defense is paid outside the limit so the full limit stays available for the claim.

Yes, once the church has three or more employees — Georgia law requires workers' compensation at that point, and it applies to paid church staff. It covers medical bills and lost wages for job-related injuries. Volunteers aren't employees, which is why many churches pair workers' comp with a low-cost volunteer accident policy.

Most Georgia houses of worship we insure carry a separate $300,000 per-occurrence limit, and about a third carry $500,000 to $1,000,000. The right limit scales with how many minors you serve — nursery, youth ministry, preschool, school, or camps all push it higher. Because we place coverage with legal defense outside the limit, the full limit is preserved for the claim itself.

Yes. D&O protects board members, officers, and the church for claims over governance and management decisions — hiring and firing, finances, conflicts of interest, or alleged mismanagement. Volunteers who serve on a church board can be named personally in a lawsuit, and D&O is what funds their defense.

Act early — don't wait for the coverage to lapse. A non-renewal is usually about the carrier's appetite or your building's age and loss history, not a sign you can't be insured elsewhere. A ministry-focused agent can often place you with a specialist carrier and present your risk favorably. Here's what to do after a non-renewal.

Yes. You can request a coverage review or move your agent of record at any time — you don't have to wait for renewal or cancel your current policy to get a second opinion. A review simply compares what you already have against what specialist ministry carriers offer, with no obligation to switch.

Only if you carry counseling (pastoral professional) liability. General liability does not respond to claims arising from counseling a pastor or staff member provides. Any church whose clergy or staff counsel members should confirm this coverage is on the policy and that the limit fits how much counseling actually happens.

Vans the church owns need commercial auto coverage; when staff or volunteers drive their own or rented vehicles on church business, you also need hired and non-owned auto. Fifteen-passenger vans carry added rollover risk, so adequate limits and driver screening matter. See church van insurance.

Yes — and there are advantages to having one agency that understands both. MinistrySure insures churches, K-12 schools, and colleges across Georgia. When your church and college share facilities or staff, having one advisor who sees the full picture prevents coverage gaps.

For the campus itself, we place colleges into a national property program built for large, multi-building institutions — the kind of property protection most agencies can't reach, with stability that holds even in a hard year. For the faith-specific coverages — religious liberty legal defense, counseling liability, and the rest — we work with carriers that specialize in religious institutions. As an independent agency, we aren't tied to one company; we build the combination that actually fits your campus, not whatever a single carrier happens to sell.

Religious identity legal defense. Many colleges carry general liability and D&O coverage, but their policies don't specifically cover the legal costs of defending faith-based hiring practices, student conduct standards, or accreditation challenges tied to religious convictions. This is a growing exposure area.

College premiums are driven by campus property values, student enrollment, residential capacity, athletic programs, and number of employees. A small Christian college with 300 students and a residential campus will typically carry a significantly higher premium than a K-12 school of similar enrollment because of the broader risk profile.

Christian schools need property, general liability, educators legal liability, student accident, workers' compensation, and commercial auto coverage. Schools with athletics should add athletic participation coverage. If part of a church, policies must avoid coverage gaps between the two.

No. General liability covers bodily injury and property damage claims. Educators legal liability covers claims arising from educational decisions — wrongful expulsion, failure to educate, discrimination allegations, or improper discipline. Christian schools face both types of claims and need both coverages.

Not always. Many church policies exclude school operations or limit coverage for student activities, athletics, and bus transportation. If your school is listed on your church policy, we review it to confirm the school's specific exposures are actually covered — not just assumed to be.

It depends on enrollment, building values, athletics, transportation, and whether the school operates under a church. Because educators legal liability, student accident, and abuse coverage layer on top of standard property and liability, a school's premium is typically higher than a same-size church's. A coverage review gives you an accurate number for your specific programs.

Yes — it's one of the most important coverages a school carries. Standard liability excludes abuse and molestation, including negligent-hiring and failure-to-supervise claims against the school. Limits should scale with enrollment and the age of students, and the coverage should pay legal defense outside the limit so the full limit is available for the claim.

Student accident coverage pays medical expenses when a student is injured at school or during school activities — regardless of fault — which heads off many liability disputes with families. Schools with athletics or active PE and recess programs should treat it as essential, often alongside a separate athletic participation policy.

Yes. Directors and officers (D&O) protects the board for governance decisions, and employment practices liability (EPLI) covers claims by staff — wrongful termination, discrimination, or harassment. Schools have more employees than most ministries, which raises employment-claim exposure, so EPLI limits should reflect your headcount.

Often, yes. Many policies require athletic participation coverage for interscholastic or contact sports, which pays for student-athlete injuries and helps manage liability. Travel to games and tournaments also adds transportation exposure that should be reviewed before the season.

Not automatically — extended-care and daycare operations add hours, younger children, and staffing that many base policies don't contemplate, and they raise abuse and supervision exposure in particular. If your school runs these programs, confirm they're scheduled on the policy. See preschool and daycare insurance.

Yes — with three or more employees, Georgia requires workers' compensation, and a school's teachers, aides, and administrative staff all count. It covers job-related injuries to employees and is separate from the student accident coverage that protects pupils.

Owned buses and vans need commercial auto; when staff drive personal or rented vehicles for school trips, hired and non-owned auto fills the gap. Field trips can also raise general liability and student accident exposure, so it's worth confirming off-campus activities are covered before the trip.

Often yes, through a single ministry package — but the school's specific exposures (educators legal liability, student accident, athletics, transportation) must be explicitly scheduled, not assumed. We review church-and-school accounts together to make sure there's no gap between where the church coverage ends and the school's begins.

Camps and retreat centers need property coverage, general liability, participant accident coverage, commercial auto, and workers' compensation. Camps with water activities, ropes courses, or horseback riding need specific endorsements for those exposures. Seasonal staffing and volunteer-heavy operations also affect how policies should be structured.

General liability covers the camp's legal liability if a participant is injured, but it doesn't pay the participant's medical bills directly. Participant accident coverage fills that gap — it pays medical expenses for campers injured during activities regardless of who's at fault, which reduces the chance of a lawsuit.

Yes, but the structure matters. Your policy covers your property and your operations. When outside groups rent your facility, you should require them to carry their own liability insurance and name your retreat center as an additional insured. We help set up rental agreements and certificate requirements.

A church with three or more employees that doesn't carry workers' compensation faces state fines — and, more important, direct liability for workplace injuries. The church, and potentially its leaders personally, can be responsible for the medical bills and lost wages a policy would have covered. Volunteers generally don't count toward the three-employee threshold, but paid part-time staff do.

Yes. Georgia churches face hail, wind, tornadoes, and occasional ice storms. Older buildings with flat roofs or aging HVAC systems are especially vulnerable. Property coverage should reflect actual replacement cost, not just the original build value — and deductibles for wind and hail should be reviewed annually.

MinistrySure focuses exclusively on Georgia. Our team serves 700+ Georgia ministries across the state — from metro Atlanta to rural south Georgia. Focusing on one state lets us know the local risks, regulations, and carrier options better than a national agency.

Most general agents insure one or two churches alongside hundreds of commercial accounts. They don't know to ask about counseling liability, mission trip exposures, or armed security teams. A ministry specialist writes these policies every day and knows exactly where churches get caught with gaps.

We are authorized Brotherhood Mutual agents — the largest carrier built specifically for churches and ministries, serving all denominations since 1917. We also represent additional ministry-focused carriers for cases where Brotherhood isn't the right fit. These carriers offer coverage forms designed for faith-based risks that standard commercial carriers don't address.

No. We typically review your coverage before your renewal date and present options alongside your current policy. If we recommend a change, the transition happens at renewal — no lapse, no gap. If your current coverage is solid, we'll tell you that too.

The insurance company is the name on your policy; it pays claims. The agency is who services your account day to day — certificates, changes, questions, and the renewal. Most administrators can name the company and pause on the agency, which is the tell: if nobody at your church can name the person who would pick up the phone for you, the relationship is with a logo, not a person. Ask your agency: who is our account manager by name, and how do we reach them directly? If the answer is an 800 number, that is your answer.

Four things, in writing. A named account manager you can call directly — not a queue. Same-day responses to questions and certificates within a business day (ours are typically returned in one). Every coverage request confirmed back to you in writing — an endorsement, a certificate, a dated email — so "I put it on their radar" is never where it ends. And a renewal that starts about 90 days out, with a written side-by-side of current and renewal coverage, not a bill the week before. If you have to chase your agent for any of those, the relationship is doing less than you are paying for. See how we handle certificates and policy changes.

A large broker can place church coverage — that part works. What tends not to survive is the relationship. The larger the brokerage, the more likely your account moves from the person who sold it to a service center, and your questions land at an 800 number with someone reading your file for the first time. Churches feel this most between renewals: the mission team leaving in three weeks, the wedding this weekend, the new building — the moments that need a person who already knows you. Ask any broker, large or small: who exactly will I call, will they still be there next year, and will they confirm what I ask for in writing? Size is not the problem. A relationship that does not follow a person is.

Yes. We help churches and ministries set up group health insurance, dental, vision, life, disability, and retirement plans for their staff. Benefits help churches attract and retain qualified employees — especially in a competitive job market where ministry salaries are often lower than the private sector.

Yes. Georgia allows groups as small as two enrolled employees to purchase group health plans. For churches with limited staff, we also review health reimbursement arrangements (HRAs) and individual coverage HRAs (ICHRAs) as alternatives that let employees choose their own plans with church-funded reimbursement.

Property and casualty insurance protects your church's buildings, vehicles, and operations from liability claims and physical damage. Employee benefits — health, dental, vision, life, disability — protect your staff and their families. Most churches need both, and we handle both from one agency.

Call MinistrySure first at (770) 716-0180. Our receptionist connects you with your account manager, who reports the claim to Brotherhood Mutual or your carrier and manages it alongside you. After hours, you can also reach your carrier directly — Brotherhood Mutual at (800) 333-3371 or Insurance Board at (800) 437-8830 — then let us know so we can advocate for you.

You'll need your policy number (if available), the date and time of the loss, a description of what happened, photos of any damage, and a police or fire report number if applicable. Don't worry about having everything perfect — report the claim first and gather details as you go.

Simple claims like broken windows or minor water damage often resolve in 2-4 weeks. Larger claims involving roof damage, fire, or liability investigations can take several months. MinistrySure stays involved throughout the process to make sure your claim moves forward and your ministry gets a fair settlement.

A good agent helps. At MinistrySure, you call us first and your account manager reports the claim, tracks it, and advocates for you with the carrier. Some direct-to-church insurers leave you to handle the claim through their 1-800 line yourself — with no independent agent at the table when a claim is disputed.

A claims advocate is a named person at your agency who represents your church's interests during a claim — reporting it, tracking it, escalating when adjusters go silent, and challenging unfair valuations or denials. It's the difference between having someone in your corner and being one more file number at a carrier's claims office.

Your insurance carrier adjusts and pays the claim, but a specialist agency manages the process for you. At MinistrySure, a Georgia ministry calls (770) 716-0180, our receptionist routes the call to the church's account manager, and that account manager reports the claim to the carrier and advocates for the church until it's resolved.

Submit a request through this page or call us at (770) 716-0180. Most certificates of insurance are issued within one business day. If you need it faster, call and we'll prioritize it. Include the certificate holder's name and address, and any special requirements like additional insured status.

Submit a request through this form or call us directly. Common changes include adding a new vehicle, updating a building value, adding an additional insured, or adjusting coverage limits. Most endorsements take 1-3 business days to process depending on the carrier.

Every request is handled by a licensed agent on our team — not outsourced and not automated. If you have a preference for who you work with, select their name on the form. Otherwise, we'll route your request to the team member who knows your account best.

Declaration pages (dec pages) are the summary pages at the front of your insurance policy showing your coverages, limits, deductibles, and premium. Check your email for renewal documents, log into your carrier's online portal, or call your current agent and ask for a copy of your current declaration pages.

Loss runs are a claims history report from your current insurance carrier covering the last 3-5 years. Call your carrier directly (not your agent) and request five-year loss runs. Most carriers send them within a few business days. We need these to get accurate quotes from other carriers.

Start with whatever you have — even just your declaration pages. Most church administrators can gather everything we need in about 15 minutes. If you're missing something, we'll walk you through how to get it. The coverage review is free and there's no obligation.

The ones we see most on Georgia church policies: an abuse or sexual-misconduct limit that sits inside the general liability limit — or one that has to pay for legal defense too; wire-fraud losses that a standard cyber section excludes; a building insured for depreciated value, or a replacement value nobody has updated in years; a separate water or sewer-backup deductible the renewal summary never shows; no named person at the agency to call when something comes up; and a renewal that starts when the carrier's bill arrives instead of 90 days out. The ten-question check above walks through each. You get a written report — your answers and the exact questions to bring to your current agent — by email and as a download. The same questions are also published as a free article on our blog if you would rather read than click.

No. The questions apply to any church insurance policy — Brotherhood Mutual, Insurance Board, Philadelphia, Glatfelter, AmTrust, The Hartford, or any other carrier. Some items reference coverages Brotherhood Mutual makes standard (because they're a ministry specialist), and those become the benchmark we hold every policy against. The point is to find gaps in your current setup, not to push you toward a specific carrier.

Honestly — this audit probably isn't built for you. We work with churches whose insurance complexity justifies a specialist relationship, which generally means an annual premium north of $5,000 (often $10,000+) and a building you own. Smaller churches are well-served by standalone commercial agents in their local market. We'd rather tell you that upfront than waste your time.

Most of it does. Nearly all of these questions apply identically to Christian K-12 schools, colleges, and camps. The differences are around coverages specific to those operations — Religious Freedom Protection for schools, abuse coverage extensions for residential camps. We're publishing a school-specific version separately. For camps and colleges, work through this audit and then call us; the carrier-alignment questions in Section D matter even more for those operations.

Day 90 — meaning 90 days before your current policy expires. That's the framework: by Day 90 your agent should already be reviewing your 5-year loss ratio, scheduling a walk-through, and preparing the renewal worksheet before the carrier sends one. If you're inside Day 30 right now, run the audit anyway; you'll have less time to negotiate, but the gaps you find still matter for next year.

Matthew Campbell, CIC — co-owner of MinistrySure Insurance Agency in Loganville, Georgia. MinistrySure has served Georgia churches and Christian ministries since 1989; Matthew and his brother Michael took ownership in 2023 and currently serve more than 700 ministries as a Brotherhood Mutual preferred agency. The Day-90 framework reflects MinistrySure's internal renewal-cycle methodology, not a generic industry checklist.

Two outcomes are common. First: your current agent answers most questions, fills any gaps, and you renew with confidence. That's a good result and we're happy to have helped. Second: you find significant gaps your agent can't explain or fix. In that case, we'd be glad to do a no-obligation coverage review — bring the audit to us, we'll work through it together, and you'll have a written comparison your leadership team can act on.

Because water is the loss a church building is most likely to have, and most church policies carry a separate deductible just for it — a burst pipe, a failed water heater, a drain backing up. It isn't printed on your renewal summary; it sits in an endorsement deep in the contract, and on the policies we review it often runs $25,000 to $50,000. Plenty of water losses never reach that number, which means the church absorbs them in full.

No. A few questions, an estimate, and you can close the tab — we don't ask for your name, your email, or your policy. If you'd like us to look at the actual coverage, that's a conversation you start, not one we start.

No, and the difference matters. This is an indication built from the building value you enter. A real quote requires your five-year claims history, the condition of your buildings, and the deductibles you choose — none of which a summary page shows. Those three things move final pricing more than anything this tool can see.

No. Nothing here changes your agent or your policy, and using the tool doesn't put anything in motion. If the questions it raises are useful, take them to whoever handles your insurance today — that's a legitimate outcome. If you'd rather we priced it properly, ask for a coverage review at the end.

Aggregate industry data covering 700+ Georgia ministry policies plus countrywide comparisons. We do not use account-level claims data or individual church information. Distributions are size-matched to your Sunday attendance bucket so a 200-attendee church isn't measured against a megachurch.

The benchmark is most useful for churches with $5,000+ annual premium and 100+ regular attendees. Smaller churches will see directional results that may not be reliable — the underlying data thins out below that threshold and the percentile math gets noisy.

No. The benchmark is free for any Georgia church to use, and you do not need to be a client. We do not require an email to see your results — the percentile cards reveal immediately on submit. The email step is optional and only delivers a personalized PDF report or schedules a producer call.

Never. The numbers you enter never leave your browser unless you explicitly request the PDF report — and then only to send you the report and (optionally) schedule a follow-up call. We do not sell, rent, or share prospect data with third parties.

If your church accepts online donations, stores member data, or uses email, you have cyber exposure. A data breach can cost thousands in notification and legal defense. Cyber liability coverage pays for breach response, investigation, and member notification.

Churches face social-engineering wire fraud, ransomware, phishing emails targeting staff, data breaches of member and donor records, and online giving platform vulnerabilities. Churches are often targeted because they typically have fewer IT security measures in place — a single phishing email can give attackers access to your accounts or your network.

For most ministries, real cyber coverage runs about $800 to $2,000 a year, depending on size, online giving volume, payroll, and how money moves through the office. A $30 line buried in another policy isn't full coverage — it's a token amount that rarely covers a real wire-fraud or ransomware loss.

Yes. As an independent agency, we shop cyber coverage across the market — comparing price and, more importantly, what's actually covered. We make sure the wire-fraud and ransomware pieces are included, not just the data-breach basics, and we can add cyber to an existing church policy where that makes sense. The goal is the right coverage at the right limit for your ministry.

Only if it specifically says so. Social-engineering and funds-transfer fraud — the coverage that pays when a staff member is tricked into wiring money — is excluded by default on most standard church cyber sections. It usually has to be added as its own coverage with its own limit. The quickest gut-check is your premium: real cyber coverage runs $800 to $2,000 a year, not $30.

Almost never. Standard property policies now carry a cyber exclusion that removes losses from hacking, malware, and ransomware. Property covers fire, wind, and physical theft — not a locked-up server or a fraudulent wire. Cyber risk needs its own coverage, written for exactly these losses.

We shop your ministry's cyber across the market and send back pricing and coverage compared side by side — plus a free security scan showing where your ministry is exposed. There's no obligation, and if your current coverage is already solid, we'll tell you. You can request your free cyber quote here.

Yes. Legal Assist is a complimentary service Brotherhood Mutual provides to any ministry leader. There are no fees, no billable hours, and no attorney-client relationship created through the service.

Legal Assist provides general legal information and guidance specific to ministry operations. It is not a substitute for advice from a licensed attorney in your state. For complex legal matters, Brotherhood Mutual recommends consulting with a local attorney as part of your risk management plan.

Legal Assist focuses on preventive guidance — reviewing documents, answering questions, and helping your ministry avoid legal issues before they start. If you're facing an active legal matter, contact your insurance advisor so you can work through the claims process and connect with appropriate legal counsel.

Facility-use agreements. Churches that loan or rent their buildings to outside groups need clear, enforceable agreements that protect the church from liability. Legal Assist reviews these agreements regularly for churches across the country.

The building's address, when you'll occupy it, whether you own or lease it, how it will be used, basic construction details (square footage, year built, construction and roof type), and photos of each exterior side plus the interior. The form on this page collects all of it in one pass — most ministries finish in about ten minutes.

Submitting the form does not bind coverage. Your account manager reviews the details, works with your carrier to add the location, and confirms with you once it's on the policy. Submit before you close or take occupancy so there's no gap — and if occupancy is only days away, call us at (770) 716-0180 instead of waiting.

Carriers use exterior photos of all four sides to verify construction type, condition, and features that affect how the building is valued and rated — things a street-view image misses, like a rear addition or roof wear. The interior photo helps document finishes and contents. Accurate photos up front mean fewer follow-up questions and a faster add.

Select "Tenant" on the form and include your landlord's name and address. As a tenant your ministry typically insures its contents, any improvements it makes to the space, and liability for its use of the building, while the landlord insures the structure — and your lease may require you to name the landlord as an additional insured. Your account manager will review the lease requirements with you.