Key Risk Areas Churches Face

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Good risk management starts with asking tough questions about your ministry’s practices and operations. Here are nine areas to consider when developing a risk management plan for your church:

 Accident Prevention: Are your sidewalks well lighted, dry, and covered with non-slip material? Are walkways and doors kept free of obstructions? Are parking lots safe? Is playground equipment maintained?

Childcare: Do you use a paging or other system to ensure children return only to authorized parents? Do you do a background check on all of your workers and volunteers?

Fire Protection: Does your church have a fire alarm system and fire extinguishers readily available? Are your fire sprinklers maintained?

Transportation Dangers: Does your church own vehicles that are well maintained? Do you use volunteer drivers? Do they have adequate insurance? Are they trained to drive large vans or buses?

Counseling: Does your church (or the individual counselors) carry professional liability insurance? Do you have a policy that covers counseling activities?

Finances/Payroll: Are dual signatures required for all checks above small amounts? Are all church credit cards properly maintained and regularly checked? Are at least two people present when offerings are counted? Does your church file the appropriate tax forms for all employees, including W-2s and 1099s?

Volunteer Selection and Training: Does your church thoroughly screen volunteers who will be driving church vehicles or working with children? Do you supervise volunteers and train them in their responsibilities?

Security: Does your church have an electronic security system in place? Do you have a strictly enforced key monitoring system? Do you have adequate lighting around your doors, parking lots, and at the rear of your buildings?

Church Employees: Do you have up-to-date hiring policies? Do you provide ongoing training? Do you have a sexual harassment policy?

Brotherhood Mutual offers free risk management materials to help your ministry develop new policies or update existing procedures. Start here.

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Why Read Your Insurance Policy?

We know that reading an insurance policy can be tough. The insurance industry is working hard to make auto, home and business insurance policies easier to read. Most insurance policies are 40 to 60 pages, with lots of legal terms that are hard for even attorneys to understand.

But the fact remains, it is very important that you read and understand your insurance policy. To help make the task easier for you, we offer this guide.

Insurance Policy Reading Tips

Start With The “Declarations Page”

  • Check all information to make sure it is correct.
  • Review address, policy dates and names insured.
  • Review limits to make sure they are what you ordered.
  • Confirm premium information.

For Auto Policies, Check The “Vehicle Information”

  • Is the correct vehicle identified?
  • Verify the VIN number.
  • Confirm the vehicle’s value.
  • Review the list of drivers if they are identified.

The “Insuring Agreement”

This is the section where most of the key coverages will be found. Take time to review the various coverage and coverage terms.

“The Exclusions”

It is very important to read this section as well. Typical examples of excluded perils under a homeowner’s policy are flood, earthquake, and wear and tear. A typical example of an excluded loss under an automobile policy is damage due to wear and tear. Business insurance exclusions can include employment liability, cyber liability, and criminal acts.

“Definitions Section”

Every policy should include a Definitions Section to provide an explanation of certain language.

We are your trusted partner. Call us to help you better understand your policy. We can help explain what is in your policy and more importantly, help make sure that you are appropriately protected for the future.

Posted in Church Insurance Church Safety Missions Property insurance by Scott Stuart. Comments Off on Why Read Your Insurance Policy?

First Aid: Be Ready to Respond

Whether it’s in the middle of Sunday morning service or during a basketball game in the gym, knowing how to deal with minor medical injuries and illnesses can make a big difference. Is your church ready to respond?

Basic Skills

Whenever possible, it is a good idea to have someone on premises who is a trained medical professional*. He or she can do an immediate assessment of any illness or injury and either administer first aid or take action to get additional medical help. If a medical professional is not available, at a minimum, you should have someone on staff who is trained in basic first-aid skills, CPR, and AED use. This person should be the point of contact for all injuries and illnesses and should document all medical-related incidents.

First-Aid Kit

First-aid kits are relatively easy to assemble. Regardless of whether or not you are buying one and adding to it or creating your own, here are some items to consider including in your first-aid kit:

  • Durable container
  • Sterile gloves (at least two pairs) – Remember some people are allergic to latex, so having non-latex sterile gloves is important
  • Sterile compresses, gauze, and dressings
  • Cleansing agents (soap, antiseptic wipes and/or hydrogen peroxide, alcohol wipes and/or ethyl alcohol)
  • Antibiotic ointment
  • Burn ointment
  • Hydrocortisone ointment
  • Adhesive bandages in several sizes
  • Adhesive cloth tape
  • Elastic cloth bandage
  • Medical tape on a roll
  • Instant cold compresses
  • Breathing barrier with one-way valve for administering CPR
  • Eye wash solution
  • Thermometer (oral, non-mercury/non-glass)
  • Scissors
  • Tweezers
  • Petroleum jelly or other lubricant
  • Aspirin and non-aspirin pain relievers – Remember some people are allergic to aspirin. Aspirin may be harmful for children.
  • Anti-diarrhea medication
  • Antacid
  • Blanket
  • Flashlight and extra batteries
  • First-aid manual
  • Emergency phone numbers
  • Store your first-aid kit out of reach of children, but ensure it is easily accessible for adults. Check your kit regularly to ensure it is well stocked. Inspect all ointments and medications to ensure they are not beyond their expiration dates. Replace flashlight batteries and update first-aid manual and phone numbers.
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Surviving a Violent Attack at Church

Seconds after Terry Ratzmann walked into the Living Church of God service March 12, 2005, he fired 22 bullets at the people gathered there. When the handgun fell silent a minute later, eight people were dead, including Ratzmann, a regular churchgoer known for sharing homegrown vegetables with his neighbors.

No one who knew Ratzmann, 44, expected him to be violent, although some said he had grappled with depression and was about to lose his job.

Police said that he had walked out of a meeting at the suburban Milwaukee, Wisconsin, church two weeks earlier, apparently upset about a sermon.

When gunfire rang out during the church service, so did screams of panic. Part of the 80-person congregation hit the floor, others sheltered loved ones, and at least one tried persuading the shooter to stop.


What Would You Do?

What would you do if someone entered your church and began shooting? Hit the floor? Run? Try to reach your children? How quickly could you devise a plan for survival?

“Your first option is to escape,” says John Nicoletti, a security consultant who has co-written books on preventing workplace and school violence. Nicoletti, a police psychologist for more than 25 years, was on the front lines of the 1999 Columbine High School massacre in Littleton, Colorado. Subsequently, he interviewed students, consulted authorities, and reviewed scores of other school shootings to develop an overview of school violence in America.


Five Options for Survival

His research revealed that people threatened by a potential killer have five options for survival. In order of success, they are:

  • Getting away
  • Locking down
  • Concealment
  • Playing dead
  • Confronting the attacker

These same options would apply to a church setting, he said, noting that nothing is absolute and that every situation must be evaluated on its own merits.

  1. Getting Away. Escaping from someone who may be trying to kill you generally produces the best survival rate, he said, but people don’t instinctively realize this.
    • Don’t Rely on Instinct. “You have to know that ahead of time, or the brain will resort to fight or flight,” Nicoletti advised. He noted that several students killed during the Virginia Tech shooting April 16, 2007, simply froze when confronted by a student wielding a gun. “If you rely on instinct, it’s not going to help you,” he said.
    • Educate Your Congregation. That’s why churches need to tell congregations how to respond to violent situations and outline the best means of escape. Every time you fly on a commercial airline, you’re reminded about safety procedures and how to find the nearest exit, Nicoletti said. Very few churches do the same. “If an incident goes down, pandemonium will ensue,” he said, “because people don’t know what to do.”
  2. Locking Down. The second option is to lock and barricade doors, then move away from them to avoid gunfire. The Virginia Tech killer shot through closed doors, but he didn’t take the time to kick doors in. He moved on to easier targets, Nicoletti said.Locking down may be tougher for churches than for elementary schools, because many don’t have rooms with locks on them, he said. Ideally, the children’s area should be secured by a single set of solid doors that teachers could quickly lock, protecting everyone inside.
  3. Concealment. If the first two options aren’t possible, fall to the floor and take cover under pews, chairs, or other objects. “Hide under stuff,” Nicoletti suggested. “They tend to look for vertical people more so than horizontal people.”
  4. Playing Dead. This is one of the more difficult options. It requires people to have already been shot, and you have to really look dead, Nicoletti said. This isn’t easy when you’re battling hysteria.
  5. Confronting the Attacker. This is your last resort. It should not be attempted unless all hope is lost, Nicoletti said. While highly controversial, active resistance is what halted a Springfield, Oregon, school shooting in 1998, he said.
    How Vulnerable are Churches?Primary schools are better prepared to deal with mass shootings than colleges or churches, he said, because they were forced to confront the possibility after the Columbine massacre. “Various churches will say ‘It won’t happen here,’” Nicoletti said. “Like college campuses, churches are very vulnerable.”False Sense of Security. There are both physical and psychological reasons for churches’ vulnerability. Churches typically don’t have many locked doors, don’t require identification cards to get in, and don’t have security cameras monitoring everyone who enters. Also, people generally feel safe when they enter a church. “They focus on the business of churchgoing,” he said. “They don’t focus on safety.”Fear of Panic. Some church leaders may shy away from sharing emergency response procedures with their congregation because they fear people could panic. They believe a myth, he said. “In an airplane, you don’t panic people when you tell them where the emergency exits are,” Nicoletti said. “Most people would say, ‘I’d like to know where the exits are.’”
    Plan AheadYour church may never face the sudden violence that struck the Living Church of God. But it’s reassuring to know that with some advance planning, you can help your congregation be prepared and increase your members’ chance of survival if a violent attack were to occur.Visit our Church Security page for more help>>John Nicoletti co-founded Nicoletti Associates in Lakewood, Colorado, with his wife, Lottie Flatter. He has conducted hundreds of workshops, training seminars, and consultations across the United States. His firm has recently started consulting work for churches.
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Employee or Independent Contractor—What Is the Difference?

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Today more than ever, churches are evaluating the need for full-time versus part-time employees.  Many firms are also considering using third-party firms for certain functions.  Before you make any decisions about contracting out job functions, read this.

Your employee will receive benefits such as health insurance and workers’ compensation. 

Advantages of Hiring an Employee

  • Employees can sometimes take on multiple roles within the firm.
  • Workflow and managing projects can be more effective with an employee.
  • Employees will have a strong loyalty to the business, which can result in increased productivity.
  • It is easier to manage employees, as the business has more control.  Independent contractors will have other clients to report to and manage.
  • With employees, your costs can be fixed to some degree. Independent contractor rates will vary depending on market demands.

Advantage of Using an Independent Contractor

  • No health benefits need to be paid to a contractor. Health costs can add over $5,000 annually to the per-employee cost.
  • Your cost tends to be focused on specific tasks or projects.
  • There is an ability to have work done on demand.  Many small businesses may have seasonal needs or business workflow that is better suited to an independent contractor rather than another full-time employee.
  • Reduced overhead. With a contracted employee, businesses don’t have the added costs of phones, workers’ compensation, computers, training, benefits, and payroll.
  • You will have less management responsibility with an independent contractor.
  • Depending on the functions, independent contractors may have more skills and training, giving you the same advantages as larger firms.

As you consider this topic remember that there are tax and legal issues you should consider. We recommend you consult with professionals for specific information.

  • If you hire an independent contractor just to get around benefits and legal issues, and the contractor works exclusively for your firm, they may not be considered truly independent.
  • Under workers’ compensation laws, if you control the person and work to a large degree, you may not be able to avoid responsibility. Check with your insurance agent.
  • Depending on the function, you may want the independent contractor to have professional liability insurance.
  • We recommend you have a written agreement with the independent contractor, which should outline all legal issues.

The IRS uses 20 factors to determine if a worker is an employee or an independent contractor. However, it is their interpretation—although it could be challenged.  Not all factors apply in each case or carry the same weight. http://www.uncsa.edu/formsprocedures/IRS.htm 

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Prepare for Violence in Your Church

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Emergency preparedness for churches used to mean having a plan for responding to reports of fires and severe weather. Today, churches must also be prepared to deal with crises created by violent people, such as shootings.

Many people find it hard to believe that such things could happen at their ministry, says Brock Bell, senior manager of risk control at Brotherhood Mutual Insurance Company. Bell travels the country each year, advising churches how to reduce their risks.

“It’s kind of like lightning,” Bell says. “You know it’s out there, but you never expect it to hit you.”

While outbreaks of violence at church seem unthinkable, they’re happening with increasing frequency. Just type “church shooting” into your Internet browser and see how many results appear. Browsing the list makes you realize that violence can happen anywhere, even in the smallest communities.

Fortunately, you can take steps to prepare for many situations in a way that will improve your ministry’s ability to respond quickly and appropriately.

“A traumatic incident can only get worse if you’re not prepared,” Brock says. “While you can’t make the risk go away, you can manage it by doing what a prudent person would do to prepare for it.”

Assess Risks

For each ministry you operate, consider possible threats that could emerge. Imagine what would happen on weekends when the sanctuary is full or on weekdays when a handful of staff are present. Don’t forget to consider what could happen at a school, preschool, or day care center you operate.

For example, could an angry father enter a children’s wing, demanding to have a child no longer in his custody? What barriers are in place to stop him? This is a time to imagine worst-case scenarios. Developing your response will come later.

Consider these possibilities:

  • An estranged boyfriend stalking his ex-girlfriend at church
  • An agitated man entering the building, looking for someone
  • A group of people standing outside, hurling insults at people entering the church
  • A person seeking assistance who pulls out a knife when denied the help sought

What would you do if one of these situations were to erupt? Does your church have a safety team or a response plan to guide staff and volunteers? For more great questions, download our Responding To Church Violence checklist

Once you have listed possible threats, determine the probability of each event happening. 
What impact would each emergency have on people, property, and the ministry?

Now you have a better picture of the risks your ministry will need to address.


Develop a Plan

Creating a  violence response plan involves assessing your ministry’s individual situation, determining how to respond, and practicing what to do if it happens.
In many ways, it’s identical to creating a disaster response plan for weather-related events. The only difference is the type of threats you face.

You’ll need more than one person to help you. Enlist a broad cross-section of people, including staff, volunteers, and church members, who can contribute their expertise to the plan. Including people with experience in law enforcement or public safety would be helpful.

Then, make a plan for dealing with crisis situations when they happen. Keep in mind that your response on a Sunday morning might differ drastically from what you would do on a weekday.

Establish Protocol

Your church may already have a plan for dealing with fire or weather emergencies. In many cases, you can modify that plan to deal with incidents of violence in your congregation. Here are some aspects to consider:

Communicating a Threat: If you have a large church, how will you communicate that people need to evacuate because of a threatening intruder? Could you use a public address system or assign certain people to deliver the message to various parts of the church?

Contacting Law Enforcement: Who will call police? Does this person carry a cell phone?

Communicating with the Public: How will you deal with a possibly overwhelming response from people concerned about the situation, including friends, family members, the community, and the media? Do you have one or more spokespeople who could work with each audience?

Evacuation: How will people leave the building, and where do they go afterward? Have you posted evacuation routes and procedures throughout the building? Does your congregation know where to meet after evacuating? Do you have a system for evacuating small children and people with disabilities? How will you know that everyone has gotten out?

Responsibilities: Who will do what? Does your ministry have a current list of all people (on- and off-site) who would respond to a crisis of this nature? Does the list note their responsibilities and their 24-hour telephone numbers? Is anyone responsible for keeping this information up to date?

First aid: How will you treat the injured? Do you have an appropriate first-aid kit that someone checks regularly to make sure all items are available? Are key volunteers and staff trained in first aid and CPR procedures?

Training: How will you ensure that everyone knows what to do in a crisis situation? Does your ministry provide general training regularly to make sure that new people know what to do? Do you update responsibilities as church membership changes?

Coordinate With Others

Talk with first responders, law enforcement, and community disaster response organizations about how you can prepare for violent incidents and respond to them.

Your local school system might be a good resource as well. Since the Columbine High School massacre, many school districts have enlisted professionals to help them prevent violence or protect children from it. School leaders may be able to recommend some safety experts who have conducted training workshops in your area.

Be sure that any expert you choose comes with proper credentials and has experience working with churches.

Conduct Practice Drills

Regularly review and practice what you intend to do during and after an emergency with drills and exercises. Ask someone from an emergency response agency to observe the drill and offer advice for improvement. Repeated practice helps people remember their roles and remain calm during an actual crisis. Drills can also identify problems in your response plan that could be prevented.

Inform the Congregation

Your staff and volunteers aren’t the only ones who need to know what to do during an emergency. If a crisis occurs, people will panic. They need to know the protocol for that particular situation–should they hit the floor, try to subdue an intruder, or start running for the emergency exits?

Parents instinctively will want to retrieve children from other parts of the building, but this can result in chaos and delay. Practice drills can help parents understand how your ministry will protect their children during an emergency.

Consider informing your congregation about emergency policies by using the church bulletin, visitor packets, or handouts for parents that drop off children in the nursery. Regular reminders will be necessary since memories fail and attendees come and go.

Review Your Plan Regularly

Just as your ministry changes over time, so do your preparedness needs. When you hire new employees, launch new ministry initiatives, or expand your building, you should update your plans and inform your staff, volunteers, and congregation.

Preparation Improves Confidence

It’s easy to imagine that something so tragic could never happen at your church, but experience has shown that it could happen anywhere. While it may be impossible to prevent an incident altogether, being prepared to handle violent situations will give you the confidence to face the emergency when it happens.

With sufficient forethought, planning, and practice, you can help ensure that your ministry is as prepared as possible to face violent threats to the congregation.

Posted in Church Risk Church Safety by Scott Stuart. Comments Off on Prepare for Violence in Your Church

COVID-19 and the New Cyber Challenges For Your Ministry

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The CIOVID-19 pandemic has affected the way we do business in a very significant way.  Many businesses are requiring people to work remotely.  Employers are finding that having employees work remotely may be the new normal.

COVID-19 has forced us to become more dependent on the internet, as desperate measures, like social distancing, disrupt economic activity and everyday life.

This new way of doing business could mean that employees are collecting client information from home or other places that may not have the same cyber security as an office network.  In some instances, employees who are working remotely are forced to use their home computers because they do not have a company laptop.

Top Work-from-Home Cyber Concerns

  • Unsecured video conferencing
  • Using unsecured networks
  • Spam and phishing campaigns exploiting the COVID-19 pandemic
  • Maintaining security-critical operations, such as patch management
  • Supporting employees to ensure they have what they need to work from home without sacrificing security
  • Theft of client information from lap tops
  • Changes to regular security-critical processes
  • Using social media platforms from unsecured networks

What Can Employers Do to Reduce the Threat?

  • Do not open email from people you do not know.
  • Do not reveal personal or financial information in emails, and do not respond to email solicitations for this information.
  • Do not provide personal information to unknown websites or uninvestigated third-party messengers.
  • Do not share the virtual meeting URL’s on social media or other public channels.
  • Avoid clicking on links in unsolicited emails, and be wary of email attachments.
  • Lock your screen if you work in a shared space.
  • Provide corporate computers/devices to staff while teleworking, where possible.
  • Use secure, password-protected emails when sending documents.
  • Ensure that adequate information technology resources are in place to support staff.
  • Provide secure video conferencing for corporate clients (both audio/video capabilities).
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COVID-19 And Your Ministry

covid 19

Many people are stuck at home during the COVID-19 stay at home order. But there many people who still must go to work. Here are some things you can do to help maintain your ministries safety and financial health in the interim.

We recommend you check with your City, County, State, OSHA, Department of Health and other agencies that may have provided employer guidelines.

COVID-19 Employer Safety Tips

  • Do not leave any valuables clearly visible or accessible.
  • Have employees wash hands frequently.
  • Develop an Infectious Disease Preparedness and Response Plan.
  • Restaurants who offer takeout services should remove tables and chairs.
  • Provide gloves when staff clean and check rooms and any areas people have access to.
  • Limit food sharing.
  • Disinfect surfaces like doorknobs, tables, desks, and handrails regularly.
  • Use video conferencing for meetings when possible.
  • When not possible, hold meetings in open, well-ventilated spaces.
  • Consider adjusting or postponing large meetings or gatherings
  • Provide gloves when staff clean and check rooms and any areas people have access to.
  • Limit large work-related gatherings (e.g., staff meetings, after-work functions).
  • Limit non-essential work travel (domestic and international).
  • Consider regular health checks (e.g., temperature and respiratory symptom screening) of staff and visitors entering buildings (if feasible).
  • Require workers who are ill to stay home.
  • Consider posting “NO TRESPASSING” signage.
  • Disable access to your public WiFi network.
  • Deactivate all scheduled FOB door openings (e.g., dry cleaning and other nonessential deliveries you may have forgotten).
  • Make regular site visits to monitor your shop/business and manage inventory and storage conditions. Consider randomizing the times this is done to avoid establishing a detectable pattern.
  • Implement social distancing measures:
  • Increase physical space between workers at the worksite.
  • Stagger work schedules.
  • Decrease social contacts in the workplace (e.g., limit in-person meetings,

Be Aware of COVID-19 Scams

The FCC offers the following tips to help you protect yourself from scams, including coronavirus scams:

  • Do not respond to calls or texts from unknown numbers, or any others that appear suspicious.
  • Never share your personal or financial information via email, text messages, or over the phone.
  • Be cautious if you’re being pressured to share any information or make a payment immediately.
  • Scammers often spoof phone numbers to trick you into answering or responding.  Remember that government agencies will never call you to ask for personal information or money.
  • Do not click any links in a text message. If a friend sends you a text with a suspicious link that seems out of character, call them to make sure they weren’t hacked.
  • Always check on a charity (for example, by calling or looking at its actual website) before donating. (Learn more about charity scams.)
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How to Set up Your Home Office

home office

Many ministries are now allowing employees to work from home, and experts say it will most likely continue through 2020 and beyond.  Some employers are seeing that they can reduce operating costs by having all or some of their employees work from home.  Whether you own a home business, work from home full time, or occasionally work at home, you can benefit from optimizing your workspace for increased productivity using these tips.

  1. Select a Dedicated Area.  Your office should be in a quiet area that allows you some privacy.  This is especially important if you share the house with a spouse, children, or roommates.
  2. Less May Be More.  Minimalism is hugely popular in home office setups.  Eliminate desk clutter and use a neutral color palette for the furniture and walls.  Keep décor simple but tasteful.
  3. Make Your Space Yours.  Create a desk and/or designated space that is much like your office at your business.  You can use plants and proper lighting to create a relaxed atmosphere.
  4. Add Privacy.  If you do not have a dedicated office room, consider adding a privacy divider to your home office setup.  You can get traditional dividers that sit on the floor.
  5. Furniture. Home office furniture should complement other rooms in your house instead of screaming “soulless cubicle.”
  6. Lighting. Natural lighting from the sun gives you energy and increases creativity. If possible, we recommend placing your desk as close as possible to natural light.  Desk lamps and stand-alone floor lamps make it easy to adjust the amount of light in specific parts of the room.
  7. Chair. Use as good, comfortable ergonomic chair.
  8. Keep Things Organized. The key to setting up a functional home office is to add plenty of storage space. Wall shelving and cabinets are a must-have for binders or books you need to keep handy.
  9. Your Kitchen Is for Eating, Not for Working!  Sitting at your kitchen counter may cause your brain to think of food more often because it is programmed to do such things when you are sitting on that bar stool.
  10. Modify as Needed.  Don’t be afraid to change things up if they are not working for you.

We are committed to providing our clients with the highest quality insurance plans available, combined with some of the lowest possible rates.  Whether you are shopping for auto insurance, home insurance, life, or business insurance, we can help you obtain the best coverage available with the lowest rate possible. 

We truly value the long term relationships with our clients, and are proud to give families, individuals, and businesses the personal attention required when it matters most.  When claims arise, we realize that it can be very stressful and we will do everything possible to assure timely and complete recovery.

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Innovative Insurance Solutions For Your Ministry

Floating Iceberg in the Open Ocean with Small Boat and Risk Text Nearby Illustration

 

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 just need.

  • Business Interruption Insurance covers the loss of income that a business suffers after a covered loss (fire, windstorm, etc.), while its facility is shut down or in the process of being rebuilt.
  • Tenant’s Insurance is needed if a commercial lease requires a tenants to carry a certain amount of insurance. A renter’s commercial policy covers damages to improvements you make to your rental space and damages to the building caused by the negligence of your employees.
  • Directors and Officers Insurance is needed even if you are a privately held business.  Directors and officer’s liability Insurance protects your business, owners, executives, and managers if individuals, competitors, third parties, or government regulators make claim for damages.
  • Cyber Liability is a risk that every business has. According to the Insurance Information Institute, businesses have a greater chance of having a cyber breach than they do of having a fire.  Most businesses should consider cyber liability insurance, which is designed to cover the costs of investigations, notification, and credit monitoring for affected individuals, regulatory compliance, defending lawsuits, and payment of any resulting judgments or settlements.
  • Equipment Breakdown coverage offers extra protection for electrical, mechanical, or digital equipment used by your business, including heating, cooling, and refrigeration systems; computers and communication equipment; and more. It can pay for the cost to repair or replace the damaged equipment in the case that there is physical damage, as well as cover the cost of service interruption.
  • Debris Removal Insurance covers the cost of removing debris after a fire, flood, windstorm, etc. For example, a fire burns your building to the ground. Before you can start rebuilding, the remains of the old building have to be removed. Your property insurance will cover the costs of rebuilding, but not of removing the debris.
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