Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Mar 29, 2022

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The Short of It

  • Brotherhood Mutual caters to Christian organizations, and Church Mutual’s clientele also includes secular businesses, among others
  • Neither company offers sample prices for their property or liability insurance offerings
  • Both companies have high ratings from A.M. Best and the Better Business Bureau

Which is better for your organization: Brotherhood Mutual or Church Mutual insurance?

Brotherhood Mutual Insurance Company and Church Mutual Insurance Company, S.I. are two leading firms that serve religious firms in the United States. The former is the second-largest insurer for Christian organizations, and the latter touts itself as “the leading insurer for religious organizations of all denominations.”

Brotherhood Mutual is available in 47 states and the District of Columbia. Since its founding in 1917, the company has grown to serve over 65,000 churches, related ministries, schools, camps, nonprofits, colleges, and universities. Also, Brotherhood Mutual agents have connections to religious organizations.

Church Mutual has been around since 1897, and it operates in all 50 states and the District of Columbia. Church Mutual has a more inclusive clientele since it serves more religious organizations, plus secular and non-secular schools, camps, businesses, and senior centers.

Want to know more about how these two companies compare? Let’s look at the insurance Brotherhood Mutual and Church Mutual offer, their claims processes, and ratings.

What types of insurance do these companies offer?

Both companies offer the following types of coverage:

  • Auto insurance
  • Cyber liability insurance
  • General liability coverage
  • Employment practices liability coverage
  • Management liability coverage
  • Mission travel insurance
  • Professional liability
  • Property insurance
  • Umbrella insurance
  • Workers’ compensation insurance

Brotherhood Mutual offers commercial auto insurance, while Church Mutual offers non-owner car insurance and rental car insurance.

Brotherhood Mutual also offers employee health benefits and motion sensors that serve as a security system. Church Mutual sells crime insurance for its different types of customers.

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How much does Brotherhood Mutual vs. Church Mutual insurance cost?

Neither Church Mutual nor Brotherhood Mutual is forthcoming about their casualty insurance prices. But your yearly insurance rates could be as low as $2,000 or surpass $35,000 based on a few factors, like the size of your congregation or the amount of property your firm has.

How can you make a payment as a customer to either of these companies?

Brotherhood Mutual primarily takes payments by mail, but it does have an online component. Church Mutual has more options and is more flexible.

Brotherhood Mutual’s Payment Options

You can mail payments to one of two Brotherhood Mutual insurance locations or pay online if you set up an account.

Customers in the Western United States can send payments to the following address: Brotherhood Mutual Insurance Company, Dept. 710069, P.O. Box 514670, Los Angeles, Calif. 90051-4670. Western states include Kansas, Nebraska, North Dakota, Oklahoma, South Dakota, Texas, and all states west of those.

Customers in the Eastern U.S. may send their payment to the following address: Brotherhood Mutual Insurance Company, P.O. Box 631485, Cincinnati, Ohio, 45263-1485. Eastern states include Arkansas, Iowa, Minnesota, Missouri, Louisiana, and all states east of those.

Church Mutual’s Payment Options

There are at least three options for making payments to Church Mutual for all customers:

  • Pay online. You can access Church Mutual’s “Payment Options” page and click the “Pay Online Now” button, which will take you to a portal. There is another link on the page for a CM Select policy. You do not need a Church Mutual login to pay online, but you can create an account.
  • Pay by phone. Call the Church Mutual Phone number (800-554-2642), select the third option, then select the first option afterward.
  • Send a check by mail. Unlike Brotherhood Mutual, there are not multiple Church Mutual insurance locations for billing. Every Church Mutual customer can mail payments to one address: P.O. Box 2912, Milwaukee, Wisc. 53201.

Alternatively, if you are a Church Mutual customer and your agent bills you, send your payments to the agent.

Which company has the better claims process?

Neither company talks extensively about their claims processes, but both companies will immediately assign adjusters after their customers file claims.

Overall, both companies approach the claims process differently. For starters, these are the methods for filing claims:

  • Brotherhood Mutual customers making property, liability, auto, and mission travel insurance claims must call specific phone numbers. Only property, liability, and car insurance claims have an online service.
  • Brotherhood Mutual customers who need to make workers’ compensation claims must send the First Report of Injury form as a fax or email attachment and follow state requirements.
  • Church Mutual customers can file claims through five methods: online, by phone, by mail, by fax, and by email.
  • Church Mutual provides different forms for each type of claim (property loss, accident, auto accident, and state-specific workers’ compensation forms). New York and California require extra paperwork.

Brotherhood Mutual outlines general steps for customers to take when filing a claim with a checklist. Customers who need help through the Brotherhood Mutual claims process can call an in-house agent.

Church Mutual does not outline specific steps, but it offers more resources to help its clients deal with work-related injuries:

  • Church Mutual has partnered with the California Medical Provider network to ensure that injured employees receive better care.
  • The company has also partnered with Medcor, which powers the Nurse Hotline. The hotline provides employees and employers with medical advice and approved doctor referrals in case of injury.
  • Concentra Telemed is another partner, and it provides telemedicine for injured workers.

The partnership with Concentra Telemed is one plank in Church Mutual COVID-19 policy, and the other partnerships help to reduce workers’ compensation claims.

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How good are Brotherhood Mutual and Church Mutual’s financial and BBB ratings?

Church Mutual has the edge over Brotherhood Mutual in this area.

  • A.M. Best gave Church Mutual an A (Excellent) rating for 2021 and Brotherhood Mutual an A- (Excellent) rating for the same year.
  • The rating company ranks Brotherhood Mutual Insurance Company as a Class IX company since BMIC has a policyholder surplus of $250 million and $500 million. By 2021, the company finished with a $324,427,475 policyholder surplus.
  • Church Mutual Insurance Company, S.I. has a Class X ranking from A.M. Best for having a policyholder surplus between $585 million and $750 million. For 2020, the company finished with a $747,165,350 policyholder surplus.

Overall, A.M. Best has a negative outlook for Brotherhood Mutual based on 2020 losses.

Both Brotherhood Mutual and Church Mutual received an A+ rating from the Better Business Bureau.

Both companies have two negative comments from users. Yet there are fewer negative Brotherhood Mutual reviews. Also, Brotherhood Mutual has received one complaint in the past three years, while Church Mutual has received five over the same period.

Brotherhood Mutual vs. Church Mutual Insurance: The Bottom Line

If you want to find the best property insurance and other coverage for your organization, you have two good options: Brotherhood Mutual and Church Mutual. Both companies offer a full suite of coverages tailored to your organization.

Ultimately, Church Mutual edges out Brotherhood Mutual for a few reasons:

  • Brotherhood Mutual caters to Christian organizations, while Church Mutual also works with secular organizations.
  • Church Mutual offers businesses more tools for dealing with workplace injuries.
  • Church Mutual provides more coverage options for schools.

If you want to know more about these two companies, you have a few options:

  • Read our Church Mutual insurance review.
  • Call both companies to make inquiries. Brotherhood Mutual’s phone number is 800-333-3735, and the Church Mutual phone number is 800-554-2642.
  • Get some quotes by phone or on the companies’ websites.

In the meantime, get quotes from similar companies and compare coverages. Also, consider getting your car insurance from other reputable companies if Brotherhood Mutual and Church Mutual don’t offer enough for your coverage needs.