Basic Coverages

When you purchase MinistryFirst liability insurance, you automatically receive basic or “general” coverage.

Basic coverage protects your organization, leaders, employees, your appointed representatives, and volunteers against claims of bodily injury or property damage caused by negligent acts, or errors or omissions of your ministry or its representatives. Basic coverage includes:

• Bodily injury and property damage liability
• Medical payments coverage
• Products/completed works liability
• Fire legal liability

Liability

This coverage will pay your legal obligations for injuries or damages that others sustain while involved in your ministry activities. Coverage typically applies whether or not the activities involved are held at your ministry location.

MinistryFirst general liability coverage includes protection from potential claims of injuries resulting from falls on your property or improper supervision. It also provides limited coverage for damage to neighboring property as a result of negligent maintenance of your property. In some cases, coverage is limited. Your Brotherhood Mutual agent can familiarize you with other examples of the specific protection basic liability coverage offers.

Brotherhood Mutual offers a wide variety of innovative liability coverages that are not commonly found among the products offered by other insurers.

General Liability Endorsements

Depending on your ministry operation, Brotherhood Mutual automatically enhances its basic liability coverage to include important additional coverages. Some of these coverages include:

Personal injury liability applies to the oral, written, or electronic publication or distribution of material that slanders or libels a person or organization.

Membership Emotional Injury℠ liability is a unique Brotherhood Mutual coverage that applies to specified emotional injury claims resulting from your church’s policy, practice, or procedure regarding attendance or membership in the church.

Nursery and child care supervision emotional injury liability applies to emotional injury claims resulting from an alleged failure to properly care for one or more children participating in your nursery and child care operations.

Food preparation liability offers liability protection and legal defense for claims resulting from the consumption of food you prepare or distribute.