Allowing individuals to inhabit your property exposes you to several liabilities, many of which vary in severity depending on state and local laws. Consider the following, and work with ChurchInsure to develop an appropriate risk management plan. Habitability In many cases, and especially if you are receiving public funding, you are responsible for maintaining certain […]
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For employers subject to the Affordable Care Act (ACA), staying compliant with reporting requirements is non-negotiable. With 2025 due dates just around the corner, now is the time to prepare for distributing Forms 1095-C to employees and filing with the IRS. These forms provide essential information about health coverage offered to employees and are critical […]
Most organizations treat employee benefits like a seasonal event. Open enrollment brings a flurry of activity – emails, seminars, and even benefits fairs. However, communication often dwindles after this initial push, leaving employees confused and underutilizing their valuable benefits. This is a missed opportunity. Research shows that employees crave more benefits education, spending hours researching […]
New to a Health Savings Account (HSA)? Here’s What You Need to Know As the name suggests, a Health Savings Account(HSA) is a special savings account used to pay for healthcare-related expenses. An HSA has potential financial benefits for now and later. Not only can you save pre-tax dollars in this account to pay for qualified […]
Healthcare costs are projected to rise significantly in 2025. To mitigate these increases, consider these tips: Know Your Plan: Take time to review what your health plan covers—and what it doesn’t—to avoid unexpected costs. Understand your health plan’s coverage, including deductibles, co-pays, and out-of-pocket maximums. Utilize In-Network Providers: Receiving care from out-of-network providers can dramatically increase costs. Check […]
Slips, trips and falls are some of the most common injuries across industry lines, with religious organizations being no exception. In fact, the nature of these organizations’ operations—namely, experiencing frequent foot traffic on-site from community members and employees of varying ages—may contribute to an increased risk of such injuries. According to the latest industry research, […]
Employee benefits are the indirect and non-cash compensation paid to an employee. These benefits are given to employees over their salaries and wages. As we look ahead to 2025, companies are increasingly exploring innovative solutions to address the evolving needs of their workforce. Driven by shifts in work environments, economic challenges, and technological progress, the […]
Healthcare costs are projected to increase substantially in 2025. Estimates show a similar growth in spending to 2024, marking multiple years of compounding costs. Specifically, healthcare costs in the United States are likely to increase by 7%-8% in 2025, according to the following data from multiple surveys: Large employers predicted their healthcare costs would rise […]
How to Avoid Insurance Gaps Small businesses in all industries face numerous risks that can lead to significant financial losses. To mitigate these exposures, businesses secure insurance. Many considerations go into building an insurance portfolio; business leaders must be mindful of policy specifics, such as limits and exclusions. Failure to adequately address a business’s insurance […]
Candles are used in various religious services and ceremonies and can be an essential part of worship. However, they can pose serious fire risks to religious institutions and should be used with caution. This article discusses the risks candles pose and how to mitigate them. The Risks Candles are a fire hazard that can cause […]
