Tag Archive

Summer Church or Ministry Risk

Published on June 18, 2018 By usdigital

The weather is heating up (relatively speaking) and summer is right around the corner. With that comes the usual break for kids from school and many other changes in our daily schedules. Not only are our children out of school and need to be accounted for every hour BUT that also means there are other […]

Flood Insurance

Published on June 16, 2018 By Scott Stuart

Flood Insurance We made it through another winter, and most of us are thankful that we did not have a homeowner’s insurance claim. But with the end of winter comes the real possibility of spring flooding. If you live in a flood zone, we recommend flood insurance.  Did you know that even if you don’t […]

Is Your Church Renting A Watercraft Over 26 Feet?

Published on August 31, 2017 By Scott Stuart

Additional Insurance Is Required For Watercraft Over 26 Feet Many churches may be thinking about renting a houseboat or other watercraft this summer. If this is the case, it would be a good idea to call your agent for an insurance review. The standard General Liability in every church policy states that there is no […]

Cyber Risk Update

Published on August 21, 2017 By Scott Stuart

Over the last several years, cyber liability coverage has evolved from just insurance for information      technology companies to coverage that nearly every class of business should have if they don’t already. From retailers, banks, contractors, distributors, restaurants and medical offices, many businesses are unaware of the great security technology exposure they face. Recent state laws […]

Church Insurance… Stop The Madness

Published on August 15, 2017 By Scott Stuart

A Business Insurance Update We don’t expect you to be experts in business insurance, but we thought it might be fun to test you on what you do know about your business insurance. Business insurance is designed to cover unexpected losses. We can offer a wide range of business insurance options, so please call our […]

Risk Management For Churches

Published on July 11, 2017 By usdigital

Budget for cost of insurance changes. The insurance market is cyclical; if prices have been low or dropping over the past year, they eventually will go back up. You must account for this change within your budget and be prepared for a premium increase next year. Limit your exposure to losses! You need to make […]

Background Checks Made Easy

Published on January 19, 2017 By Scott Stuart

You’ve seen ads proclaiming “Free criminal background checks!” or “Instant online results: $9.95.” These ads typically promote criminal records database searches, which are fast, easy, and affordable. Unfortunately, you get what you pay for. There will be gaps in your criminal background check if you depend on a database search alone to screen church employees […]

Insurance Myth Busters… All I Need Is Replacement Cost Coverage

Published on December 22, 2016 By Scott Stuart

Most people think, “If my policy has replacement cost coverage I am ok, right?”  Well, maybe not.  The term “replacement cost” means “the cost to replace the property on the same premises with other property of comparable material and quality used for the same purpose.” A Common Myth “My policy has replacement cost coverage, so […]

Fire Risks for Multifamily Buildings

Published on November 22, 2016 By Scott Stuart

Multifamily residential buildings are at a greater risk for fire because they contain more kitchens, furnaces, hot water heaters, and other elements that can pose opportunities for a fire to start.  Fire safety in multifamily housing is influenced by the design of the building, its fire protection features, the quality of and materials used in […]

Don’t Let A Loss Turn Into A Financial Disaster

Published on March 3, 2016 By Scott Stuart

There is nothing worse than having a major home fire or other loss. The second wore thing might be to have a loss then have difficulty getting your home repaired. This is especially true in areas where a major disaster has hit. Unfortunately, disaster affected neighborhoods are often targeted by some unscrupulous people who offer […]