Your faith is your foundation. Protect belief-based decisions with our Religious Freedom Protection^SM coverage.

Brotherhood Mutual’s Religious Freedom Protection^SM Coverage safeguards your school against emotional injury claims resulting from religious communications, belief-based enrollment and other decisions, and discriminatory acts.

This coverage pays for:

• Legal costs incurred defending against attacks on your school’s belief-based decisions and practices.
• Defense costs against legal challenges to your school’s accreditation status and adherence to Title IX rules.*
• Damages you are legally obligated to pay as the result of your school’s religious communications, religious activities, or discriminatory acts.

* Requires Religious Freedom Protection^SM Coverage Educational Institution Extension.

You're dedicated to providing a safe and secure place to teach and learn. When something threatens your school, your emergency response procedures save lives. How do you recover after the dust settles?

Following a traumatic incident at your school, your students, teachers, and staff will be hurting: some physically, others emotionally. Your property may suffer damage, too.

Brotherhood Mutual’s Traumatic Incident Response Coverage provides additional coverages to help your school recover. The additional coverages include:

• Medical expenses, broadened wage loss reimbursement, and individual counseling expenses* to help those who witnessed or were victims of the incident.
• Reimbursement of costs for temporary facility rental so you can continue to hold classes.
• Reimbursement of costs for security personnel, public relations specialists, and legal counsel to assist in your response to media, law enforcement, and victims or their representatives.

*A coverage extension is available that reimburses your educational institution for the cost of grief counseling for those affected by—but may not have witnessed—a traumatic loss. This includes the death of or the sudden and unexpected absence of your leader, student, employee, or appointed person due to a life-threatening injury.

Students can be injured at school, whether they’re running laps around a field or doing labs in a science class. Student Medical Coverage helps pay the bills if someone needs treatment.

Student Medical Coverage offers two levels of protection, so you can choose which plan best fits your needs—and budget. Standard coverage addresses student injuries that happen during general school activities, such as gym class and recess. It also covers school-organized activities, such as field trips. Broadened coverage also addresses injuries suffered by students, volunteer coaches, and bystanders or game officials during school sports activities.

This coverage:

• Pays the injured person’s medical costs, regardless of fault.
• Requires no deductible.
• Offers primary coverage up to $1000 and excess coverage up to policy limits.
• Covers off-site activities your school offers, including outings to roller skating rinks and snow slopes.

From academic practices to claims of emotional injury, you want coverage that supports the specific requirements of Christian schools.

Brotherhood Mutual’s Educators’ Liability Protection Coverage provides the ability to pay costly legal expenses associated with the school’s operations.

This coverage pays legal fees, costs, and expenses directly related to lawsuits that involve:

• Claims of emotional injury resulting from evaluation, discipline, or graduation practices.
• Alleged lack of supervision that results in non-sexual bullying, stalking, or intimidation.
• Claims of emotional or bodily injury resulting from the teaching or leadership activities of your teachers and governing board members.
• Concussive impact during a school activity.
• Damages for bodily injury caused by food prepared and served by your school.

Whether it’s on the sports field, in the gym, or on a playground, accidents happen. School-focused accident insurance protects your students, student-athletes, and your reputation. Deductibles as low as $0.

Accident Insurance can help with the following medical expenses associated with a covered injury:

• Emergency room and outpatient treatment; ambulance expenses
• Medical or surgical treatment by a licensed doctor
• Hospital bills, including room and board
• Prescription drugs and medicines
• Care for dental injuries.
• Concussion coverage

Brotherhood Mutual’s MinistryWorks is a payroll processing and payroll tax filing service that works exclusively with ministries. Our service stands apart from others for its dedicated customer service, sensible pricing, and seamless transition.

MinistryWorks.com

Can a teacher sue a school for decisions based on religious beliefs? What documents should we keep and for how long? Do we have to report all injuries, even those that are insignificant?

These are just a few of the complicated questions Christian schools may have. Brotherhood Mutual's in-house team of attorneys specializes in helping Christian ministries navigate legal and risk management issues. Visit BrotherhoodMutual.com/LegalAssist/ to ask your questions today.