While property maintenance is rarely viewed as a “core” ministry like worship or outreach, it is the foundation that allows those ministries to flourish. Your church building is a vital tool for service; maintaining it is an act of stewardship that ensures your congregation can continue to focus on its mission without the distraction of […]
Category: Property and Casualty
Owning and operating a house of worship—whether it be a church, synagogue, temple or chapel—can be a rewarding endeavor. These establishments play a major role in bringing faith-based communities together for a wide range of activities and celebrations, such as prayer services, religious studies, youth programs, weddings, baptisms, funerals, confirmations and holiday parties. However, operating […]
If your church operates on a tight budget and with a busy ministry staff, taking on additional responsibilities like safety and security can feel challenging. Yet, these efforts are vital. Churches frequently face losses caused by storms, falls, water damage, theft, fires, vandalism, and similar risks. The encouraging news is that meaningful improvements can be […]
Music plays an integral role in religious organizations. It is often used to evoke feelings and create a sense of unity among listeners. Organs are popular in religious organizations, but other common instruments include pianos, guitars, drums, brass, woodwinds and strings. Musical instruments also present unique challenges from a coverage perspective. Review the following guidance […]
Fires are a major risk to religious organizations. Each year in the United States, there is an average of 1,780 fires in religious organizations. Damage from a fire can be more than just a financial burden. Religious buildings are often historical or contain works of art, artifacts or relics that can’t be replaced. A sprinkler […]
Religious organizations may utilize vehicles for a variety of reasons, whether it’s for transporting youth groups, providing rides to community members in need or traveling on mission trips. While using vehicles can certainly benefit religious organizations, doing so also carries significant risks. After all, it only takes a single accident on the road to cause […]
As a religious organization, there are services you provide to members that can open you up to significant risk. These risks are related to abuse allegations, ministerial counseling, premise liabilities, vehicle accidents, and privacy and employment issues, among others. As a result, risk management is critical for religious organizations, and the following safeguards can help […]
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 […]
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, […]
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 […]
