Church Risk

Lessons From Flood, Wildfires and Other Weather Related Losses

Posted by on January 19, 2018 at 12:51 am

Oregon was hit hard with wildfires in 2107. Most of Texas and the southeastern states were hit hard in 2017 with hurricanes, floods, fires, and other disasters.  The total economic loss may exceed 200 billion dollars. How will these events affect your insurance over the next few years?  We think that is a question worth […]

Why Your Ministry Needs Earthquake Insurance

Posted by on January 10, 2018 at 12:53 am

Earthquakes occur almost every day in the United States. Most are not large enough to cause damage, but sooner or later a big one will hit. The resulting damage, loss of life, and the impact on our economy could be devastating. Many businesses may not even give earthquake insurance much thought, but if you are […]

The Government Is Watching Churches

Posted by on January 6, 2018 at 8:34 pm

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, […]

Why It Is Important to Have Us Review Your Lease Agreements

Posted by on December 21, 2017 at 6:23 pm

Most Churches enter into lease agreements from time to time. These agreements might involve equipment, buildings or other products and or services.  Every lease agreement has insurance provisions.  Your commercial insurance may or may not respond to the lease requirement, so it is important for you to understand how your business insurance relates to your […]

Can Snow Removal Help Reduce Trip & Fall Claims?

Posted by on December 12, 2017 at 6:20 pm

Winter weather brings the possibility of snow and ice, and churches are responsible for snow and ice removal. This is particularly important, as it is your duty to provide safe access to your property. Commercial or business insurance is designed to protect the building owner and/or manager from claims and litigation should a third party […]

Innovative Insurance Solutions For Your Ministry

Posted by on December 7, 2017 at 6:20 pm

We live in a changing world, and your  insurance needs to be changing as well. In order to keep your commercial insurance up to date you need to have the ability to change and update your insurance program on a regular basis.  The industry has developed a number of innovative insurance products that your business may […]

The Best Holiday Gift? Be Safe

Posted by on November 24, 2017 at 10:48 pm

November is here and that means the holiday season has started.  Over the next number of weeks, holiday activities will consume much of our time.  This is also the season when homeowners have insurance claims for fire, burglary, theft from vehicles, and even auto accidents. Now may be the best time to have us review […]

Is Your Church At Risk Of Being Sued?

Posted by on November 21, 2017 at 1:23 am

The NW Ranks High In Probability Of Litigation On average, a business in the U.S. has about a 12% chance of being involved in an employment lawsuit. Oregon has very aggressive employment and discrimination laws that increase the chances of litigation for businesses operating in our state. Employment Liability Facts The national average for total costs of […]

Did The Earth Move From Under Your Feet?

Posted by on November 14, 2017 at 10:46 pm

Donna Summers popular song reminds us of how important it is to have solid ground under our feet. That is true for every business.  Your business has many risks, and the risk of earthquake damage is just one.  Allow our team to complete a review of your business insurance. Earthquakes occur almost every day in […]

Why Check Backgrounds?

Posted by on October 12, 2017 at 11:55 pm

Over the last several years, I have worked with churches who are still resisting background checks on staff members and all volunteers. Here are Good Reasons to background check from my insurance provider; Brotherhood Mutual-Comprehensive background checks should be part of your ministry’s programs. Choosing the right provider and services can be tricky, because when […]