Ministry Continuation

Unexpected challenges can bring your ministry's operations to a halt—situations that are unanticipated, random, or just too weird to predict. When your ministry experiences an interruption in normal activities, the immediate future may seem uncertain. How do you continue to worship, teach, and serve?

Brotherhood Mutual Insurance Company® can help you rebuild damaged property and shield against liability claims. But they do more than that—they can also help guard your ministry's finances and preserve day-to-day operations.

What is Ministry Continuation Coverage?

While your property insurance may cover building damage, it generally does not provide the money needed to continue your ministry during the recovery period. Brotherhood Mutual's Earnings and Donations and Extra Expense Coverage fills in that gap by helping you protect your ministry's finances during the restoration.

  • It Provides:

    • Earnings and expenses during a restoration period, including actual losses for rental value.
    • Actual loss of donation income.
    • Extra expenses incurred to resume or continue operations while repairs are made to damaged property.

Talk to an American Church Group of Kentucky agent to learn more about this coverage designed specifically for ministries.

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© 2021 Brotherhood Mutual Insurance Company. All rights reserved. This coverage description is intended to help ministry leaders better understand Brotherhood Mutual’s MinistryFirst® insurance program. It does not provide insurance coverage of any kind, nor does it modify the terms of any Brotherhood Mutual policy. For complete insurance coverage details, please refer to actual policy documents. Coverage for actual claims will be based on applicable policy documents applied to the individual facts of an actual claim event.

Disaster Recovery: Ministry Continuity Resources

Do you have an emergency or disaster plan? Does it include information about how to resume the “business” of ministry? For instance, do you know where you’ll meet if your church is closed, how you’ll access church records, and whether you have enough insurance to get back into operation?

If not, it may seem like a daunting task to pull this information together. But there are many resources available that can help you develop a disaster response and recovery plan. Here are a few you may want to consider:

This website has a wealth of information that can help churches, small businesses, and large organizations alike prepare for the worst and be ready to get back to business as quickly as possible following a disaster. There’s information about continuity of operations planning and even a sample business emergency plan that churches and related ministries can use to get the planning process started. There’s also information that can help ministries educate employees and volunteers.

The U.S. Department of Homeland Security and the Advertising Council designed to help Americans prepare for and respond to emergencies. The Ready Business section of helps leaders of small- and medium-sized businesses prepare their employees, operations, and assets in the event of an emergency.

Like, the American Red Cross provides a wealth of information to help businesses and other organizations like churches prepare for disasters and emergencies. The American Red Cross also offers training that can help workplaces be ready to respond.

Ministry-Specific Resources

In addition to government and national resources like and the American Red Cross, there are several ministry-specific resources available to help you address your disaster planning efforts. Here are a few:

Hope Crisis Response Network: This not-for-profit organization helps communities address all stages of a disaster—the event itself, relief and recovery efforts, and hazard mitigation.

Brotherhood Mutual Resources: Download the company's Ministry Continuity Worksheet or Disaster Recovery Planning Checklist to share with your ministry leaders.