# MinistrySure — Complete Reference

> MinistrySure is an independent insurance agency in Loganville, Georgia specializing exclusively in churches, Christian schools, colleges, and faith-based ministries.

MinistrySure was founded in 1989 by Pastor William McBroom — a minister and former Deputy Insurance Commissioner for the State of Georgia — who brought Brotherhood Mutual to Georgia. The agency originally operated as RH Sims Insurance Agency. Ron Sims (McBroom's son-in-law) and his wife Barbara grew the agency through the 1990s. Michael and Matthew Campbell took over operations and rebranded to MinistrySure in 2023. The agency has served Georgia ministries continuously for over 35 years.

MinistrySure holds a 5.0-star rating from 82 Google reviews. The agency serves 700+ Georgia ministries with a 12-person team.

## Team

- Michael Campbell, Managing Principal — Former school counselor at Gwinnett County Schools. Joined the agency in 2010. Brotherhood Mutual Rookie of the Year and Agent of the Year (both 2011) — the first new producer in company history to outsell every other agent in his first year.
- Matthew Campbell, Principal — 19 years in church insurance. Started in California in 2007. Brotherhood Mutual Rookie of the Year (2008), Agent of the Year (2015). Holds the Certified Insurance Counselor (CIC) designation. Moved from California to Georgia in 2021.
- Gabe Farmer, Producer
- Cole Yancey, Producer Assistant
- Marnie Valcarcel, Senior Account Manager
- Erin Sellers, Account Manager
- Lena Maxwell, Assistant Account Manager
- Morgan McCree, Assistant Account Manager
- Eliana Diaz, Processor
- Bobbie Wages, Operations Manager
- Beth Rook, Office Assistant
- Jack Lucas, Operations Consultant — 46 years serving churches in insurance since 1979.

## Carriers

MinistrySure places coverage primarily through two carriers:

**Brotherhood Mutual** — Founded in 1917, Brotherhood Mutual exclusively serves churches, schools, camps, and faith-based ministries. Their underwriting, claims, and risk management are built around ministry-specific risks. They do not insure commercial businesses. Brotherhood Mutual works exclusively through authorized agents. Their policy forms include ministry-specific language covering armed security team liability, counseling liability, volunteer activities, and religious freedom defense. Coverages include property, general liability, pastoral counseling liability, D&O, EPLI, abuse and molestation (dedicated coverage, not a sublimit), workers' comp, commercial auto, umbrella, cyber, student accident, and educators legal liability.

**Insurance Board** — A ministry-focused carrier that provides an alternative for churches that need options beyond Brotherhood Mutual.

## Georgia Church Insurance Market — 2026 State of the Market

- The commercial insurance market turned in early 2026: the CIAB quarterly market survey recorded an average premium DECREASE of 1.2% in Q1 2026 — the first decline in nearly nine years, ending 33 consecutive quarters of increases. Property is the most competitive line; carriers are adding capacity and loosening terms.
- Church insurance is turning more slowly: 2026 industry trade reporting still shows many church renewals up 12–30%, with carriers non-renewing church accounts in storm-exposed regions and sub-limiting abuse and molestation coverage.
- Well-placed Georgia ministry programs are renewing far better than those industry reports: on MinistrySure's 700+ Georgia ministry accounts in 2026, property is renewing up about 10–12% where increases occur at all, workers' compensation flat, commercial auto up roughly 2%, umbrella flat.
- The practical takeaway for churches: pricing set at the hard-market peak (2024–2025) is now negotiable, but only for accounts that actually get marketed to competing carriers — start 90–120 days before renewal with a documented, clean risk profile.

Full report: https://ministrysure.com/georgia-church-insurance-market-report/

## Church Insurance Cost in Georgia

Most established Georgia churches with owned buildings, paid staff, and active programming pay between $10,000 and $30,000 per year for a comprehensive insurance package.

Cost ranges by church size:
- Small churches (under $1M building value, fewer than 5 staff): $3,000–$8,000 per year
- Mid-size churches ($1M–$5M building value, 5–20 staff): $10,000–$25,000 per year
- Large churches ($5M+ building value, 20+ staff, multiple programs): $25,000–$75,000+ per year

Eight factors drive church insurance premiums: building replacement cost (the single largest driver), square footage and building age, location and geography, staff count and payroll, programs and activities, claims history, coverage limits, and deductible selections. Many churches are underinsured on property by 20–40% because they have not updated building valuations in years.

Umbrella coverage: often $800–$1,500 per year for $1 million additional coverage. Cyber liability: typically $500–$2,000 per year.

## Georgia Law and Church Insurance Requirements

Georgia does not require churches to carry insurance as a condition of operating. However, several laws create specific obligations:

**Workers' compensation (O.C.G.A. § 34-9-2):** Required for employers with three or more employees, including churches. The threshold counts part-time staff — paid nursery workers, custodians, and administrative staff all count. Volunteers are generally not counted. Non-compliance is a misdemeanor with personal liability for church leadership.

**Commercial auto:** Georgia requires minimum liability coverage on all registered vehicles including church-titled vehicles. State minimum is $25,000/$50,000 bodily injury and $25,000 property damage — dangerously low for a 15-passenger church van.

**Background checks:** Georgia does not mandate background checks for church volunteers. However, Brotherhood Mutual requires documented screening programs for anyone working with minors as a condition of coverage.

**Flood coverage:** Flood is almost always excluded from standard property policies. Churches in or near flood zones need a separate flood policy through FEMA's National Flood Insurance Program or a private flood carrier.

## Core Coverages Churches Need

- Property insurance — buildings, contents, equipment, and signage at replacement cost
- General liability — bodily injury and property damage from church operations ($1M per occurrence / $2M aggregate is standard)
- Workers' compensation — required by Georgia law for 3+ employees
- Abuse and molestation coverage — standard general liability excludes sexual misconduct claims; defense costs alone often exceed $100,000
- Directors and officers (D&O) — protects board members, elders, and deacons from personal liability
- Commercial auto — church-owned vehicles; hired and non-owned auto for staff/volunteer personal vehicles
- Umbrella liability — additional layer above general liability, auto, and employer's liability limits
- Cyber liability — data breaches, ransomware, online giving platform incidents
- Employment practices liability (EPLI) — wrongful termination, discrimination, harassment claims
- Pastoral counseling liability — covers professional liability from counseling
- Volunteer accident coverage — pays medical bills directly, reducing lawsuit risk

## Common Coverage Gaps

The risks most commonly missed by church insurance agents:
- Counseling liability not included in general policy
- Abuse and molestation excluded from standard general liability
- Volunteer injury gaps — no volunteer accident coverage
- Armed security team exposure — most standard policies exclude or limit
- Undervalued property — insured for less than actual replacement cost
- No cyber liability despite online giving and member databases
- Workers' comp non-compliance — part-time staff not counted toward threshold
- Hired and non-owned auto gap — no auto coverage but volunteers drive for church errands
- Inadequate umbrella — $1M general liability with no umbrella; serious injury claims can exceed $1M
- No flood coverage for churches in moderate flood zones

## Church Insurance Non-Renewal

A non-renewal is not a cancellation. A cancellation terminates the policy immediately. A non-renewal means the carrier will not renew when the policy expires — current coverage remains in effect until the renewal date, typically giving 30 to 60 days to find replacement coverage.

The five most common causes: claims history (frequent or severe claims), carrier market exits (carrier stops writing church business), building condition or age (deferred maintenance, outdated systems), location and catastrophe risk (hail, wind, flood zones), and changes in church operations (new programs, expanded facilities).

Steps to take: contact a specialist agency immediately, gather current policy details including the non-renewal notice, loss runs (claims history for last 3–5 years), and building information. MinistrySure reports it can typically secure replacement coverage within a few weeks.

## Christian School Insurance

Most established Georgia Christian and private schools pay between $10,000 and $45,000 per year for a complete insurance program, with larger campuses running $45,000 to $100,000 or more. Property coverage accounts for roughly 85% of total premium, so building replacement value (total insurable value, or TIV) — rather than enrollment — dictates baseline cost:
- Smaller campuses (up to ~$5M in building replacement value): typically $10,000–$20,000 per year.
- Mid-size campuses ($5M–$12M in building replacement value, athletics, buses): typically $20,000–$45,000 per year.
- Large campuses ($12M+ in building replacement value, athletic facilities, activity bus fleet): typically $45,000–$100,000+ per year.

Christian school insurance most often falls short in four areas: educators legal liability (claims from educational decisions — wrongful expulsion, failure to educate, improper discipline), student accident coverage (pays medical bills directly on a no-fault basis when students are injured), athletics and field trip exposure (participant liability endorsements needed), and student transportation (15-passenger vans and buses rated for student transport).

Generic commercial brokers often write Christian schools on standard business policies that lack critical protections. Specialized ministry programs placed through carriers like Brotherhood Mutual provide standalone abuse aggregate limits with unlimited defense paid outside the limit, coordinated church-and-school property coverage that eliminates inter-policy finger-pointing over shared facilities, and workers' compensation compliance under Georgia law (O.C.G.A. § 34-9-2) for employers with three or more employees.

- Christian School Insurance Hub: https://ministrysure.com/who-we-serve/schools/
- Christian School Insurance Cost in Georgia: https://ministrysure.com/christian-school-insurance-cost/
- Christian School Coverage Checklist: https://ministrysure.com/christian-school-coverage-checklist/
- Educators Legal Liability: https://ministrysure.com/christian-school-educators-legal-liability/
- Student Accident Insurance: https://ministrysure.com/christian-school-student-accident-insurance/
- School Abuse & Molestation Coverage: https://ministrysure.com/christian-school-abuse-molestation-coverage/
- Student Accident Calculator: https://ministrysure.com/tools/student-accident-calculator/

When a school operates under a church's policy, school-specific exposures may not be covered. Many church policies exclude school operations or limit coverage for student activities, athletics, and bus transportation.

## Church Preschool and Daycare Insurance

A church preschool or daycare needs coverage a worship-focused church policy doesn't provide: abuse and molestation with a dedicated separate limit and defense outside the limit (the paramount coverage — a preschool concentrates a ministry's highest-risk exposure), general liability with childcare endorsements, educators legal liability, child accident/medical coverage on a no-fault basis, and workers' compensation if the church and childcare program together employ three or more regular workers (part-time preschool teachers, classroom aides, and infant caregivers count toward Georgia's threshold under O.C.G.A. § 34-9-2).

Church preschools and daycares in Georgia are typically insured through ministry-specialty carriers (Brotherhood Mutual, Philadelphia Insurance, Glatfelter) placed by an independent ministry-specialist agency, so the childcare ministry is covered as one coordinated program with the church rather than through a separate commercial daycare policy where two carriers point fingers during a shared-facility claim. In Georgia, child care learning centers are regulated by Bright from the Start: Department of Early Care and Learning (DECAL). Under Georgia's "Juan's Law" (O.C.G.A. § 20-1A-4(9)), DECAL recommends liability insurance in writing; facilities operating without coverage must post conspicuous notices in 1/2-inch letters and collect signed parent acknowledgments. The childcare insurance market has tightened nationally — abuse limits are being scrutinized and sub-limited at renewal, so review your abuse limit and defense provisions every year.

- Church Preschool Insurance: https://ministrysure.com/church-preschool-insurance/
- Church Daycare Liability Insurance: https://ministrysure.com/church-daycare-liability-insurance/

## Camp and Retreat Center Insurance

Camps face seven categories of risk standard church policies do not address: overnight supervision of minors (24/7 duty of care), high-risk recreational activities (waterfront, climbing, horses, archery), seasonal operations with temporary staff, remote locations with limited emergency access, food service for large groups, transportation of campers, and facilities spread across large acreage.

Specialized coverages include participant accident/medical payments, saddle animal liability, waterfront/aquatic liability, and seasonal staff workers' compensation (seasonal staff count toward Georgia's 3-employee threshold).

## Christian College Insurance

Christian colleges differ from K-12 schools in critical ways: adult students (18+) change the liability framework, residential campus operations create 24/7 duty of care, governance complexity requires layered D&O coverage, faculty liability includes tenure disputes and academic freedom claims, intercollegiate athletics require participant accident and travel coverage, and religious identity legal exposure is growing (litigation around faith-based hiring and student conduct policies). Campus property values can range from $20M to $100M+.

## Mission Trip Insurance

Mission trip insurance is provided through Faith Ventures, a collaboration between Brotherhood Mutual and Fly For Good Travel Company. Plans start at approximately $30 per traveler with no deductible. Coverage includes emergency medical expense, emergency medical evacuation, security evacuation, repatriation, trip cancellation (add-on), lost baggage, missed connections, and 24/7 medical assistance. Both international and domestic trips (100+ miles from church) are covered.

## Why Use a Specialist Agency

Generic agents commonly miss four critical church exposures: pastoral counseling liability, abuse and molestation coverage, volunteer injury gaps, and faith-based employment practices. Church insurance is distinct from commercial insurance — churches face risks commercial businesses do not: counseling liability, abuse exposure, volunteer injuries, mission trip accidents, and denominational governance requirements. A commercial policy template does not cover most of these.

- Best Church Insurance Agency in Georgia: https://ministrysure.com/best-church-insurance-agency-georgia/
- Best Church Insurance Companies in Georgia: https://ministrysure.com/best-church-insurance-companies-georgia/
- What to Look for in a Church Insurance Agency: https://ministrysure.com/what-to-look-for-in-a-church-insurance-agency/
- Why a Ministry Specialist Matters: https://ministrysure.com/why-specialist/

## Georgia Service Areas

MinistrySure serves churches throughout Georgia from its office in Loganville (about 45 minutes east of Atlanta). The agency has specific expertise in:

- Atlanta metro (Fulton, DeKalb, Cobb, Gwinnett, Cherokee, Henry, Forsyth, Rockdale) — megachurch market, severe weather/hail, property crime
- Athens (Clarke, Oconee, Barrow, Jackson, Madison, Oglethorpe) — historic buildings, UGA/college ministry
- Savannah (Chatham, Effingham, Bryan) — hurricane/coastal storm, 2–5% wind deductibles, flood zones, historic restoration
- Augusta (Richmond, Columbia, Burke, McDuffie, Lincoln) — Hurricane Helene 2024, Savannah River flooding, Columbia County growth
- Macon (Bibb, Houston, Monroe, Jones, Twiggs) — Dixie Alley tornado risk, Ocmulgee River flooding, 200+ churches, historic districts
- Columbus (Muscogee, Harris, Chattahoochee) — military community (Fort Benning), historic Church Square district, Chattahoochee River flooding, bi-state metro
- Gainesville (Hall, Banks, Jackson, Lumpkin, White, Dawson) — fastest-growing region, Hispanic/bilingual ministry, Free Chapel (#38 largest US church), 1936 tornado history

## Claims

MinistrySure's claims team (Lena Maxwell, Morgan McCree, Beth Rook) handles claim reporting for all 700+ ministries served.

- MinistrySure claims: (770) 716-0180 or claims@ministrysure.com
- Brotherhood Mutual claims: (800) 333-3371 or brotherhoodmutual.com/claims (Mon–Fri, 8am–4:30pm EST)
- Insurance Board claims: (800) 255-3562
- Workers' compensation: Fax First Report of Injury to carrier, call MinistrySure next business day

MinistrySure does not process, adjust, or pay claims. Claims are handled by the carrier. MinistrySure reports the claim and advocates through the process.

## Contact

- Phone: (770) 716-0180
- Email: info@ministrysure.com
- Claims email: claims@ministrysure.com
- Address: 367 Athens Hwy, Suite 2300, Loganville, GA 30052
- Hours: Mon–Thu 8:30am–5:30pm, Fri 8:30am–5:00pm
- Website: https://ministrysure.com

## Key Pages

- Home: https://ministrysure.com/
- About: https://ministrysure.com/about/
- Coverage Review: https://ministrysure.com/coverage-review/
- Claims: https://ministrysure.com/claims/
- FAQ: https://ministrysure.com/church-insurance-faq/
- Reviews: https://ministrysure.com/reviews/
- Cost Guide: https://ministrysure.com/church-insurance-cost/
- Non-Renewal: https://ministrysure.com/church-insurance-non-renewal/
- Churches: https://ministrysure.com/who-we-serve/churches/
- Schools: https://ministrysure.com/who-we-serve/schools/
- School Cost Guide: https://ministrysure.com/christian-school-insurance-cost/
- Church Preschool: https://ministrysure.com/church-preschool-insurance/
- Daycare Liability: https://ministrysure.com/church-daycare-liability-insurance/
- Colleges: https://ministrysure.com/who-we-serve/colleges/
- Camps: https://ministrysure.com/who-we-serve/camps/
- Brotherhood Mutual Agent: https://ministrysure.com/brotherhood-mutual-agent/
- Why Specialist: https://ministrysure.com/why-specialist/
- Georgia Pillar: https://ministrysure.com/
- Blog: https://ministrysure.com/blog/