Brethren Mutual Insurance Company Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Brethren Mutual Insurance Company Score:
3 Stars
Brethren Mutual Insurance Company (BMIC) was founded in 1897. The company initially offered products to protect local farmers' and residents' personal belongings. Today, it has grown to offer business insurance, personal insurance, and farm insurance in Maryland, Pennsylvania, Virginia, Delaware, and Washington, DC.
Brethren Mutual Insurance Company earns an A- (Excellent) rating from AM Best, indicating the company has strength in its ability to continue to operate and pay claims.
We award Brethren Mutual Insurance Company a final rating of three out of five stars. The carrier has over a century of experience as its foundation. Furthermore, BMIC has high ratings from both AM Best and the BBB (A+).
BMIC provides after-hours claims reporting for its customers by phone, but the carrier could benefit from other contact options and more details about its coverage options on the public website. Coverage is also only offered in a couple of states at the present time. Overall, we do recommend looking into Brethren Mutual Insurance Company with your independent insurance agent if you're looking for coverage in the company's service area.
Brethren Mutual Insurance Company Pros and Cons:
Consider the following pros and cons for Brethren Mutual Insurance Company when selecting an insurance carrier:
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To find the right business or personal insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your coverage needs and get connected to an agent near you.
Brethren Mutual Insurance Company Products:
Here's an overview of the products offered by Brethren Mutual Insurance Company.
Personal insurance products
- Homeowners insurance
- Mobile home insurance
- Dwelling fire insurance
- Renters insurance
- Condominium insurance
- Auto insurance
- Personal umbrella insurance
Business insurance products
- Commercial package policy (CPP)
- Businessowners policy (BOP)
- Commercial vehicle insurance
- Commercial umbrella insurance
Farm insurance products
- Farm package policy
- Farm auto insurance
- Farm umbrella insurance
Your independent insurance agent can help you find more information about the products offered by BMIC and help you decide if this insurance company is right for you.
What Discounts Does Brethren Mutual Insurance Company Offer?
Brethren Mutual Insurance Company does not make information about its specific discounts readily available. However, an independent insurance agent can help find these details for you. Independent insurance agents work hard to find you the most affordable coverage that fits your needs and budget.
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Brethren Mutual Insurance Company Customer Service
Here's a breakdown of Brethren Mutual Insurance Company's customer service options and availability.
- Policyholder services phone contact
- Additional after-hours and weekends claims reporting by phone
| Days | Hours (EST) | ||
| Monday-Friday | 8 am - 4:30 pm | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you.
Brethren Mutual Insurance Company FAQs
BMIC promises to contact customers by the next business day after a claim is reported.
BMIC has regular policyholder service by phone phone during the week, but also provides an after-hours and weekends claims reporting phone line.
BMIC's public website states the carrier's claims process as follows.
"Once your claim has been reported to Brethren Mutual, you can expect to receive a phone call from the adjuster assigned to your claim by the next business day. Your Brethren Mutual adjuster will walk you through the claims process and answer all of your questions."
BMIC could benefit from adding more contact options for its customers, such as online claims reporting. However, the after-hours claims reporting department is certainly a nice perk. The public website could also benefit from having more details about their products and coverage options, as well as the company's claims process.
BMIC offers quite a few insurance products today, but its original mission focused on farm products and solutions. The carrier offers the following farm insurance products.
- Farm package policy
- Farm auto insurance
- Farm umbrella insurance
An independent insurance agent can help you find out more about BMIC's farm insurance offerings.
With strong financial ratings from AM Best and the BBB and a wide selection of products, BMIC can arguably be considered a good insurance company. There seem to be several positive customer reviews to back this up, as well.
https://www.bbb.org/us/md/hagerstown/profile/insurance-companies/brethren-mutual-insurance-company-0011-1182
https://www.bmic.com/claims/report