United Church of Christ

For anti-gay reasons, Brotherhood Mutual refuses coverage quote to UCC church

A major insurance company that sought out business from a local United Church of Christ congregation in Michigan has refused to even provide a quote for coverage because it learned the church's denomination supported same-gender marriage equality and the ordination of gay clergy.Brotherhood Mutual Insurance Company, based in Fort Wayne, Ind., told West Adrian UCC in Adrian, Mich., that its denomination's gay-affirming stances made it a "higher risk" for property and liability insurance.

"Our company's decision to not submit a quote to your organization arose out of information that was supplied in a supplemental application, indicating that your organization 'publicly endorses or practices the marriage of same-sex couples' and 'publicly endorses or practices the ordination of the homosexual clergy,'" wrote Marci J. Fretz, a regional underwriter for Brotherhood Mutual, in a July 30 letter to the church.

Ironically, the church was fully insured by another company, and happily so, but was sought out by a local agent of Brotherhood Mutual who asked to provide the church a quote and then, subsequently, refused to do so.

"I think Brotherhood Mutual's action is one worth noting," wrote the Rev. John W. Kottke in an Aug. 13 letter to the Rev. Kent J. Ulery, the UCC's Michigan Conference Minister, "if for the sake of warning other churches in our Conference that such prejudice exists within certain sectors of the business community."

Founded in 1917, Brotherhood Mutual claims to be one of the nation's leading insurers of churches and related ministries. It provides insurance to 30,000 congregations in 29 states and the District of Columbia.

"[Brotherhood Mutual has] an obligation to serve as stewards of our policyholder's funds, and to avoid knowingly insuring organizations that are at higher risk of loss based on the controversial positions that they have taken," the company wrote to the church.

Cathy Green, president and CEO of the UCC Insurance Board, which insures about 2,600 UCC and Christian Church (Disciples of Christ) congregations, says Brotherhood Mutual is one of its "key competitors."

In contrast to Brotherhood Mutual, Green says, one of UCCIB's core values is inclusivity. "All UCC and Disciples churches are eligible to receive our services without prejudice to a denominational or congregational position on being open and affirming or on being a congregation with a wide diversity of leadership membership," Green said. "We give our best efforts to every church every time."

West Adrian UCC, founded in 1836, has about 100 members. It is not listed among the nearly 700 UCC churches that have publicly adopted an "open and affirming " position with regard to lesbian, gay, bisexual and transgender persons.

"I do not believe this company represents the mainstream of insurance providers, but it is good to be aware of how our church's faith perspectives can be misjudged," the church's pastor said. "I hope that none of our churches are drawn into dealings with this company."

The Golden Gate Association ordained the UCC's first gay clergyperson, the Rev. William R. Johnson, in 1972. In 2005, when General Synod affirmed same-gender marriage equality, the UCC became the first and largest mainline Christian denomination to do so.

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