American Church Group - Iowa & Platte River

How to Buy Church Insurance

March 23, 2016

A good church insurance policy is one that frees your leadership to focus on ministry. The key is finding an insurance agent and company that are right for your ministry. Consider the following areas of insurance before you make a purchase.

General property and liability protection

Additional protection options

What to look for in an insurance agent

What to look for in an insurance company

Our agency has partnered with James Greene and Associates to provide our customer service! We chose James Green and Associates to serve our customers because we share the same vision for helping and serving ministries with insurance needs.

Water and the damage it brings can be one of the most devastating property claims a ministry or organization can experience. Fortunately, there's a solution that identifies leaks when they start, as small as 1/2-ounce-per-minute. It's called FloLogic.

The ability to inspire others to give is a blessing. Because fundraising can be both exciting and challenging, there are some important details to consider that can help your donors, and organization, have a smooth and successful experience.

Has your church or school ever been asked to loan or rent one of your vans or buses to another ministry? Rather than running the risk of loaning or renting your own vehicle, you could consider aiding them financially in renting or chartering a vehicle from a rental agency.

Having insurance coverage specifically designed for long-term international missions helps protect your people and organization from the financial impact caused by injuries, lawsuits, property damage, and more.

For the second year, the Brotherhood Mutual Foundation is offering the Kingdom Advancing Grant to innovative Christian church programs that are transforming local communities through ministry.

With the holiday season right around the corner, it’s wise for ministries to evaluate their fire safety plan. Whether your ministry is hosting a holiday party, prepping treats for charity, or running a community kitchen, make sure you’re well-prepared with these tips.

As school is back in session, it’s important to make sure your school is equipped with the correct safety procedures. Thinking about your school’s physical security as a series of layers can help you find gaps in your plan. Transportation and volunteers are just two important aspects of your school safety plan to think about.

Shepherding Ministries in a Time of Change

Anyone who turns on the news, flips through a magazine, or browses the web can see that American society and culture are experiencing rapid transitions. Some ministries have valid concerns that issues surrounding societal shifts may expose them to negative publicity, governmental scrutiny, or litigation.

The questions become: when and how can ministries operate within their deeply held religious beliefs when they may conflict with others’ rights?

Employees in nearly all organizations, secular or religious, can sue their employer because of the employment-related decisions the employer makes. The U.S. Constitution, however, affords ministries certain protection for decisions that ministry leaders make based on their religious beliefs (belief-based decisions).

Before getting into specific issues, it’s important to consider steps to help protect your ministry’s beliefs. These steps include updating ministry documents to include sincerely held beliefs, considering how your ministry will respond to issues and requests that may not align with its values, and consulting with a local attorney:

·      Update your governing documents (i.e., bylaws or constitution) – Pointing to an institution’s governing documents is one of the easiest ways to show that it is acting in accordance with its beliefs when challenged.

·      Update your operational documents – It’s good practice to weave your ministry’s purpose and beliefs throughout your written policies and procedures.

·      Consult with a local counsel – When revising organizational documents, policies, and procedures, ministry leaders should involve a local attorney.

To help protect your ministry, Brotherhood Mutual offers a Religious Freedom Protection Coverage. Additionally, Brotherhood Mutual has created a white paper {link} resource addressing current landscape and trends, lawsuits and threats, potential solutions and protections, and insurance considerations. Contact your American Church Group agent today to learn more about this coverage.

Cyber security is increasingly crucial in our technologically advanced world. Scammers use many schemes when attempting to steal your data, but you can outsmart them by understanding their methods.

When conflict occurs in the church, it can threaten the unity of a congregation. Experts say the only way to heal conflict is to acknowledge and address it. But how?

Theft isn’t just an issue for banks and large companies. Sometimes the kind and caring nature of your ministry is exactly what makes you a target. Organizational Optional Theft Coverage helps to assure that, if a thief takes advantage of your institution, what’s lost can be restored.

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.

When severe storms strike, they can produce high winds and tornadoes. Damaging winds can wreak havoc on your ministry’s property and to buildings. A high wind event can crash debris through your windows, strip your siding, down trees on your parking lot, peel shingles off your roof, and fling back the flashing.

Thieves are taking advantage of soaring precious metal prices. Take steps to protect your ministry’s vehicles and property.

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.

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