Workers' Compensation Insurance Designed For Ministries

In every state, most churches and church related ministries are required to purchase Workers' Compensation insurance for their clergy and other employees. Coverage is state specific and provides benefits mandated by the laws in the state where your ministry is located. Workers' Compensation covers employees only and is based on your ministry's total payroll figures. Without this important state mandated coverage, your ministry could be responsible to pay significant fines as well as expensive medical bills if an employee is injured on the job.

Employer's Liability Insurance Coverages

Brotherhood Mutual's MinistryFirst® Workers' Compensation policy also includes Employer's Liability coverage to protect your ministry if it is sued as a result of an employee's job-related injury or illness. Basic coverage levels include:

$100,000 bodily injury by accident, each accident
$100,000 bodily injury by disease, each employee
$500,000 bodily injury by disease, policy limit

Limits of $500,000/$500,000/$500,000 and higher are also available.

Guy Smith
Church Insurance Specialists have consistently provided top-notch customer service and comprehensive coverage. I most admire their proactive management of our account and assisting in ways to maximize our coverage while understanding our budgetary and stewardship goals.

Guy Smith

Pastor, One Life Church