The recent Supreme Court ruling that barred restrictions put on religious services in New York put in place to combat the spread of coronavirus may effect houses of worship everywhere.
The United States Supreme Court said in this most recent ruling that the Constitution does not take a holiday during the pandemic; in some ways, those rights are more important and more necessary than ever,” said legal analyst Dan Eaton.
This ruling gives new hope to all churches hoping to be able to meet indoors with no limitations. Legal experts say the new ruling doesn’t mean churches can do whatever they want. They will still have to follow local public health guidelines, but it might make politicians ease up on restrictions on houses of worship to avoid legal challenges.
We are not providing any legal opinion; we recommend you work with your attorney before any action is taken. This is to be considered informational only.
2020 and COVID-19 have changed the way we think about remote working. Most businesses are having employees work from home, and even if there is a vaccine, the work from home trend is likely to continue well into 2021. A PWC survey on US remote working found that 55% of executives believe that most of their employees will continue working remotely at least one day a week post-pandemic.
A Remote Work Policy Might Include:
How Does Worker’ Compensation Apply To Remote Workers?
In general, employees are covered for work-related injuries that occur outside the office or other workplaces. Generally, employers are still responsible for injuries that occur during a detour, such as when an employee physically departs from his or her job duties that is considered minor activity, getting coffee, etc.
Some questions that will determine whether an injury is a work-related include:
While employers cannot completely eliminate safety hazards in a home office setting, just as they cannot in the traditional office setting, employers should enforce good risk management practices to ensure those home office workplaces are as safe as possible.
Finding and buying the insurance that meets the unique needs of your business can be easy when you work with the experienced team at our agency. We understand that your business is one of a kind and needs specific protection.
Call us to speak with one of our agents or complete our online quote form. Please have your current policies available when you call.
Jan 21
22
Part of your business planning for 2021 should include an annual business insurance review. Your business changes, and so do your exposures. After you review some of these items, call our office, and we will be happy to discuss these and more with you.
It’s never been more important to partner with a broker that specializes in your business, understanding your unique exposures, with risk services capabilities and strong carrier relationships.
Why Complete a Business Insurance Review?
COVID-19 Planning
Items to Consider When Completing a Business Insurance Review
Have you added any new partners? There might be a need for life insurance.
As a business owner, you can ensure that your company is protected by keeping your general liability insurance, workers’ compensation insurance, and commercial auto policies updated to reflect changes in your business.
Jan 21
12
When your ministry’s property is damaged, destroyed, lost, or stolen, your ministry suffers financially and in other ways. Brotherhood Mutual’s property insurance offers protection for physical items—from songbooks to steeples.
Liability insurance fills the gaps and protects your ministry’s people and finances. Brotherhood Mutual offers a wide variety of liability coverage options to help safeguard your organization from the unique risks Christian ministries face.
Churches and related ministries aren’t immune to legal action, or the millions of dollars in damages that courts are known to award. That’s why Brotherhood Mutual offers optional excess liability coverage to provide an ‘umbrella’ of protection over your ministry’s primary liability coverages—general, vehicle, and employers’ liability coverage.
Get rewarded for ministry safety. If you’ve operated your ministry without a payable claim for two years or more, we reduce your deductible on a future covered claim. The longer the loss-free period, the higher the reduction—up to $500. Ask your agent for details.
Your Brotherhood Mutual agent can walk you through various coverage options and limits, and create the right insurance protection for your ministry.
While these are responses from large corporations, we take away many applications for medium and small businesses. Here are some of the risk issues for 2021. According to a recent AMEX survey, 92% of businesses pivoted last year, and 76% of small businesses believe they will need to pivot again in 2021. The 2021 pivot may have a different nature, however. 2020 pivots were mainly adjustments to shock changes in customer demands due to safety measures.
Sources: Forbes, Insurance business
Dec 20
10
Part of your business planning for 2021 should include an annual business insurance review. Your business changes, and so do your exposures. After you review some of these items, call our office, and we will be happy to discuss these and more with you.
It’s never been more important to partner with a broker that specializes in your business, understanding your unique exposures, with risk services capabilities and strong carrier relationships.
Why Complete a Business Insurance Review?
COVID-19 Planning
Items to Consider When Completing a Business Insurance Review
Have you added any new partners? There might be a need for life insurance.
As a business owner, you can ensure that your company is protected by keeping your general liability insurance, workers’ compensation insurance, and commercial auto policies updated to reflect changes in your business.
Dec 20
4
Many businesses are now holding web meetings as part of their everyday business process. However, for many, this is a somewhat confusing new kind of activity. We thought it might be beneficial to provide a few tips from our own experience.
Location
Use an inside location that has good lighting for your meeting. Make sure your face is not blocked in some way.
Appearance
Dress in a manner that is similar to how you would dress if you were in the office.
Background
Use a simple, clutter-free background to avoid distractions, if possible. Some web hosting platforms offer backgrounds, but these can give you a computerized look.
Perspective
Do not use a wide-angle face setting. Step back from the camera.
Host
Most web users understand muting etiquette, but in large meetings, there is usually at least one person who forgets to hit that mute button and ends up broadcasting a private conversation, or background noise. What many hosts do not realize is that they have the power to mute these rogue talkers.
Equipment
Believe it or not, many people opt to do conference calls via their smartphones because the apps tend to be very convenient to use. However, this may not be the best idea. It is better to use your laptop or desktop computer to make the call, as it allows you to easily take notes and have a stable image—which is nearly impossible if you’re holding your phone or trying to balance it on your desk
Other Tips
Nov 20
29
When your ministry’s property is damaged, destroyed, lost, or stolen, your ministry suffers financially and in other ways. Brotherhood Mutual’s property insurance offers protection for physical items—from songbooks to steeples.
Liability insurance fills the gaps and protects your ministry’s people and finances. Brotherhood Mutual offers a wide variety of liability coverage options to help safeguard your organization from the unique risks Christian ministries face.
Churches and related ministries aren’t immune to legal action, or the millions of dollars in damages that courts are known to award. That’s why Brotherhood Mutual offers optional excess liability coverage to provide an ‘umbrella’ of protection over your ministry’s primary liability coverages—general, vehicle, and employers’ liability coverage.
Get rewarded for ministry safety. If you’ve operated your ministry without a payable claim for two years or more, we reduce your deductible on a future covered claim. The longer the loss-free period, the higher the reduction—up to $500. Ask your agent for details.
Your Brotherhood Mutual agent can walk you through various coverage options and limits, and create the right insurance protection for your ministry.
Nov 20
24
Brotherhood Mutual’s cyber liability coverages protect your ministry against claims of:
And reimburses you for expenses related to:
Nov 20
9
Keep your church in safe condition. Work with an attorney to create a written agreement for the use of the facility.
If you found this information helpful, you might be interested in these other resources from Brotherhood Mutual: