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Why Should I Sign a BOR?

Updated: Oct 22, 2023

Recently, you probably have received a letter requesting you to sign a Broker of Record (BoR) letter to remain in the United Methodist Insurance Program. But what is a Broker of Record Letter and why should you sign it?

· What is a BoR? A Broker of Record (BoR) letter is an industry standard document that designates who your broker (or agent) is. In the case, UMIP switched agents in June of 2021, and our new agent is Sovereign Insurance Group. So, you are signing a document saying that you’d like to be insured through the UMIP program, serviced by Sovereign.

· Staying with UMIP. By signing a BoR with UMIP, you are ensuring that your ministry’s insurance coverage stays with UMIP. UMIP is the only insurance company with direct ties to the denomination. In fact, UMIP was borne out of legislation passed at General Conference in the 1970s designating that there be an insurance program that can support United Methodists. Keeping your church involved with UMIP gives us more clout in the marketplace.

· Focus on Church-Specific Insurance. Not all agents and carriers provide the coverage you need. At UMIP, we only place coverage for ministries – meaning that we know the ins and outs of any special coverage you may need. If you work with someone who doesn’t understand your ministry’s exposures, you run the risk of not having access to specific coverages like pastoral counseling liability or specific coverage for historic stained glass, among others.

· Access to 20 Carriers. Every dollar is valuable in ministry – we know that because we are a ministry too. By having access to multiple carriers, UMIP aims to provide you the comprehensive coverage at a fair price. If you bought a policy through UMIP, but haven’t made the switch to Sovereign, you can have this access only by signing a BoR.

Have you signed a Broker of Record letter yet? Visit to request one today! Got questions? We’d love to chat. Call us at 484-654-3380 or drop us a line at


This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states.

The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property.


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