Technology affects the way we live, the way we work, and the way we worship. For Brotherhood Mutual, technology has given us new opportunities to meet people where they are and help them in their journey to build the Kingdom.

In 2013, we explored many new avenues to interact with ministries. Through video, Web, and social media, we’ve strengthened our connection with our policyholders. We’ve been inspired by their stories of lives changed and hope restored. Such stories renew our company’s commitment to serving the church and encourage other ministries to pursue innovative ways to reach the world.


Digitally, we’re connected to our customers in ways previous generations could only imagine. Just as ministries are using every means possible to share God’s word with the world, Brotherhood Mutual is using these same tools to increase our company’s accessibility and create meaningful connections.

  • All
  • web
  • social media
  • broadcast
  • video


Brotherhood Mutual’s corporate culture inspires us to connect every day. Our efforts are mission-based: We believe what we do advances the Kingdom and serves the church. We constantly learn how we can better serve our customers as we pray with pastors, answer tough questions, and support churches through difficult times. We seek to strengthen our ties to our ministries in everything we do.

Here are some of the ways we connected with our customers in 2013:


Chairman and President, Mark Robison

Mark Robison, chairman and president

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Chairman's Message

Brotherhood Mutual marked its 97th year in business in 2013. It was a good business year for us, as the policyholders’ security fund grow by more than 11 percent. This was the 17th time in the last 20 years that our company increased this fund, which now stands at more than $178 million. In addition, 3,200 ministries joined our family. We now insure more than 46,000 ministries—including one-third of our nation’s largest churches.

Because we’re mutual and only insure churches and related ministries, your premium dollars went toward paying the claims of more than 15,000 ministries that experienced a loss in 2013. Brotherhood Mutual responded quickly and fairly to meet their needs, earning an overall 98 percent claims satisfaction rate.

Also in 2013, we expanded MinistryWorks, a payroll processing service that helps ministries comply with tax regulations. MinistryWorks is now available in all 50 states—giving more churches and ministries the opportunity to have their payroll and tax filings completed by our ministry experts.

As good as the numbers are, they only tell part of our story. For me and for everyone who works at Brotherhood Mutual, insurance is more than a business transaction. It’s about making a difference to our customers. It’s about living our mission statement: “Advancing the Kingdom by Serving the Church.”

Like our home office staff, our agents are also personally involved in ministry. They understand many of the burdens that pastors and church administrators face. In fact, I know many pastors who have shared prayer requests with their Brotherhood Mutual agents. We really do understand why.

As we enter 2014, you’ll hear more about the ministries we insure and how they’re advancing the Kingdom. Our national campaign, Reach One More, shines a spotlight on the creative ways churches and organizations are spreading the gospel. We encourage you to visit The stories you’ll find there inspire us, and we hope they inspire you, too.

Thank you for being a part of our family. We pray for you daily, and we’re energized by how you’re answering the call that God has given you.

Mark Robison
Chairman and President


Policyholder Security Fund
Direct Written Premium
Admitted Assets

Matt Hirschy Quote

We realize that every church pays its insurance premium with someone’s tithe or offering. This knowledge humbles us and motivates us to practice good stewardship. Our strong financial results enable us to partner faithfully with churches and ministries, regardless of the storms that come. In 2013, we helped nearly 16,000 ministries recover from losses. In addition, we increased the policyholder security fund to $178 million, ensuring that we have the reserves to serve additional ministries in their time of need. Ours is a healthy and sustainable future. Download the Annual Report (PDF)

$236,163,086 Premiums Earned $203,560,841
($152,317,071) Losses and Loss Expense Incurred ($127,173,880)
($79,832,415) Underwriting Expense Incurred ($72,326,479)
$4,013,600 Net Underwriting Gain $4,060,482
$9,315,257 Net Investment Gain $6,513,939
$745,174 Other Income $1,122,746
($2,904,139) Dividends to Policy Holders ($2,142,192)
($1,679,160) Federal Income Taxes ($2,271,766)
$9,490,732 Net Income Gain $7,283,209



Brotherhood Mutual routinely supports efforts to fight hunger, provide affordable housing, and offer hope in our community. We also pursue mission opportunities every year that allow home office employees and agents to serve alongside one another. In 2013, corporate mission teams aided New York residents recovering from Hurricane Sandy and helped build a new dormitory at Freedom Hall, a drug rehabilitation ministry in Ohio.