Archive for December, 2015

Cyber Risk Might Destroy Your Ministry

December 28, 2015

In most churches today it is easy to see the extensive use of technology in worship services, as well as the daily operation of the church. Laptops, iPods, music and communication audio equipment, high cost video recording cameras are readily visible in the sanctuary. For operations, accounting and word processing software and the use of […]

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How Your Church Can Benefit Form Flood Insurance

December 12, 2015

Most churches in the N.W. do not carry flood insurance, but they should. While damage caused by some type of natural events are covered under a commercial insurance policy; such as heavy rain, wind and even lightening, flood is excluded. Benefits of Flood Insurance Provides needed protection in the event of a flood. Helps your business […]

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Is Earthquake Insurance Really Worth The Cost?

December 11, 2015

We all know that earthquake insurance can be costly. However, many businesses mistakenly fail to consider earthquake insurance due to the cost and other factors. We hope to show you the value of having earthquake insurance as part of your insurance portfolio. The biggest mistake business owners make is to think it won’t happen to […]

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Proper Building Management For Winter Weather

December 8, 2015

Winter storms are a reality for many businesses in our area.  Winter storms include heavy snow, ice, wind, and even flooding.  All these events can create a complete shutdown for many businesses.  The good news is that there are many things that you can do to prepare your business for winter’s wrath.  Initiate your snow […]

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Do You Need Replacement Cost Coverage?

December 5, 2015

Replacement cost coverage essentially means that the insurance company will replace the damaged or destroyed property with new.  We always recommend replacement cost coverage on your real and personal property. This may seem simple, but it’s not quite that simple in every case. Let me give you an example of replacement cost coverage from a […]

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The Government Is Watching Churches

December 2, 2015

The Fair Labor Standards Act (FLSA) requires payment of the minimum wage for all hours worked and overtime at 1 ½ times an employee’s (church) regular rate for all hours worked over 40 in a week. FLSA has included exemptions from both the minimum wage and overtime requirements for: – Executives; – Administrative employees; Professionals, […]

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