April 27, 2016
What would you do if a windstorm damaged the roof of your church or a child tripped over an unsecured cord and injured his elbow? Do you know how to report a claim?
Notify your agent, and police, if necessary
Notify your insurance agent as soon as possible and provide a detailed description of what occurred, including information about the extent of damages. Then, take immediate steps to make reasonable, necessary repairs to protect your property from further damage.
Besides your agent, contact law enforcement in cases such as theft, burglary, vandalism, suspected arson, and other incidents that violate the law or usually require police involvement.
Property claims may require help from an adjuster
Insurers often require two repair estimates when there’s damage to your building. For damage to personal property, you’ll need to submit a complete list of damaged items. Your adjuster will verify the value of the damaged items, so provide as much information about the damaged property as possible.
For extensive losses, you may need a claim adjuster to establish the full extent of your damages and to give you guidance to settle your claim. Your cooperation will enable claims personnel to establish the extent of damages quickly and equitably.
Liability claim settlements are based on negligence
Liability losses involve injury to someone while they are on your grounds or involved in your sponsored activities. You also can be held liable for damage to property that others own and you have borrowed from them.
When an accident occurs, provide appropriate medical care to the injured person immediately, then notify your agent. Just because someone is injured on your premises or at one of your sponsored activities does not mean you are liable for the damages.
Without acknowledging responsibility, provide your insurance company’s name, address, and phone number if an injured person asks. Avoid making statements like, “We’ll take care of everything.” Instead, say, “We’ll report this injury to our insurance company, and they will be in touch with you.”
Most ministry leaders don’t realize there is funding available to non-profit employers including churches, schools, colleges, and camps. This post includes some highlights about the credit and guidance on where to start to see if your ministry is eligible.
April is National Child Abuse Prevention Month. Though child abuse may not be something you could ever imagine happening within your ministry, sexual abuse of a minor is one of the top five reasons churches end up in court, according to Church Law & Tax. Studies also show that a child is much more likely to be sexually abused by a trusted adult than a stranger.
Did you know that the precious metal Rhodium is more than 10 times more valuable than gold? It has increased from $650 an ounce in 2015 to $22,000 an ounce in 2021.
As temperatures plummet, the risk of freezing pipes soars. Frozen pipes can cause costly messes that could also put your ministry on hold while you clean up.
Preparing for this Christmas season may require additional creativity, due to the uncertainty of what COVID-19 may bring in our local community.
A mid-November deadline in the Boy Scouts of America’s (BSA) bankruptcy proceedings may have you wondering what the organization’s bankruptcy filing means for your ministry if you ever hosted or chartered Boy Scout Troops.
Organizations that obtained Paycheck Protection Program (PPP) funding through the CARES Act can have their loans forgiven, turning them into grants. To qualify, each borrower must file a forgiveness application with its PPP lender, proving that it followed the rules. If your church, school, college, or camp meets all the criteria, 100% of its loan can be forgiven.
Please allow us to introduce our team at American Church Group of Minnesota! We have three ministry insurance agents in the state. Here’s a little bit of information about each of them.
Not only can summer heat be uncomfortable, but it can also pose a threat to your health. The heat can be especially dangerous for the elderly and for infants. Regardless of your age, don’t let the summer heat get the best of you!
Learn about the CARES Act and two loans for which ministries may be eligible, since Congress authorized additional funding April 23.
As concern over the dangers associated with the spread of a new coronavirus, COVID-19, spreads, our agency and Brotherhood Mutual want to keep you informed and provide best practices for managing the spread of this and similar illnesses at your ministry.
The first Sunday in February is a big day for sports fans. In fact, many Americans view Super Bowl Sunday as a national holiday. Friends and families will gather this year to watch the big game, enjoy delicious snacks, and of course, critique the commercials that go along with game day.
Recently, we learned about two major overseas incidents involving pastors on mission trips. The first incident involved a pastor being hit by a motorcycle while running. The second was a bus accident involving two pastors. The runner and one of the two bus passengers sustained extensive injuries.
Last month, the IRS announced that its initiating hundreds of church exams to test compliance with the Affordable Care Act (ACA). While many provisions only apply to churches with 50 or more full-time equivalent employees (FTEs), even smaller churches could potentially violate provisions applicable to health benefit plans with as few as 2 plan participants.
July 4th is synonymous with food, fun, and fireworks. If your church is planning an event this Independence Day, remember to keep a focus on safety, so that everyone can have fun.
National Insurance Awareness Day falls on June 28 this year to remind people everywhere that insurance is vital to their companies and ministries.
Do you use commercial vehicles that transport more than 15 passengers or carry cargo from one state to another as part of your ministry? If so, you are required to register with the Federal Motor Carrier Safety Administration (FMCSA) and obtain a USDOT number.
The Centers for Disease Control says 107 cases of measles have been reported in 21 states since January 1.
The National Safety Council has designated June as National Safety Month, so we want to make sure your ministry is doing everything it can to protect its people, property, and programs. Each week in June, we’ll tackle a different topic. Up this week: Emergency Preparedness.
There’s a new scam in town, and ministries and other organizations collecting donations are the primary target. If your ministry collects tithes or donations, you could be targeted by scammers practicing donation overpayment fraud.