Recent Supreme Court Case Could Impact Your Church

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.

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Remote Workers And Workers” Compensation

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:

  • Work hours
  • Equipment used
  • Time management
  • Define the scope of work
  • Designated work area
  • Proof of presence in the work area

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:

  • Was the employer benefiting from the employee’s actions when the injury occurred?
  • Did the employer require the employee to engage in the injury-causing activity?
  • Did the employer approve the off-site activity in advance?

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.

Additional References

Posted in Uncategorized by Scott Stuart. Comments Off on Remote Workers And Workers” Compensation

Workers’ Compensation Best Practices

insurance

Ministry owners go to great lengths to provide a safe working environment for their employees. However, when dealing with humans, accidents can happen, and Workers’ Compensation Insurance can help.  Workers Compensation Insurance should be an important part of every risk management program.

What Is Workers’ Compensation?

Workers’ compensation insurance is insurance that provides lost income, medical benefits, disability benefits, and rehabilitative services for workers injured on the job or while performing work-related duties.

Why Your Business Needs Workers’ Compensation Insurance

When an employee gets hurt on the job or has a work-related illness, only workers’ compensation will cover them.  Health insurance benefits will not provide coverage for on-the-job injuries.

What Is the Best Way to Keep Costs Down?

  • Provide training for hazardous work, especially for new or inexperienced workers.
  • Enforce safety rules and practices.
  • Enforce drug and alcohol rules.
  • Require safety equipment to be worn at all times.
  • Keep work areas clean.
  • Workers should not wear loose clothing or jewelry around machinery.
  • Where required, workers must wear protective equipment such as goggles, safety glasses, masks, gloves, hairnets, etc. appropriate to the task.
  • Safety equipment such as restraints, pullbacks, and two-hand devices are designed for worker’s protection.  Be sure such equipment is adjusted for each worker.
  • Do not ever remove machine safety guards.
  • Develop a system for reporting unsafe practices.
  • Have monthly safety meetings that review safety issues and related topics.
  • Create accident investigation procedures that focus on prevention and change.
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Chruch Insurance

Property Insurance

church insurance

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

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.

Excess Liability Insurance

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.

Save Money with Deductible Reduction

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.

Posted in Uncategorized by Scott Stuart. Comments Off on Chruch Insurance

Reasons Churches Need Commercial Insurance

If you manage a ministry, you know how hard you have worked to get your business started and sustainable. Most small businesses fail in the first year. So congratulation, you have made it this far. Even if your firm is run out of your house or car, you should think about small business insurance and its benefits. You’re buying safety for your small business when you acquire insurance. If something awful happens to the business, this protection will be there for you.

Why Buy Commercial Insurance

  1. It protects your investment. If you have a building or equipment, insurance can help your recovery in the event of a loss. 
  1. Certain customers may require commercial insurance. If you run your business out of rented office space, your landlord will almost certainly require you to carry business insurance, which will be spelled out in your lease.
  1. Business interruption losses can put you out of business. Business disruptions can take various shapes, but they all boil down to anything that prevents or slows your company from running normally. Natural disasters such as floods and tornadoes cause most business interruptions, but they can also be caused by fires or delays in supply chain management.
  1. Protect your employees. It’s a good idea to protect your staff with liability insurance and workers” compensation insurance. It will not only make them feel more at ease at your company, but it may also safeguard them from losing their jobs if a lawsuit arises.
  1. If you own commercial vehicles, it is required by most states. You’ll almost certainly need commercial vehicle insurance if you’re doing any form of business on the road. Simply put, it’s the commercial version of your personal auto insurance. Commercial vehicle insurance can be used for transportation in buses, taxis, or shuttles, even if you’re not driving; it’s a safety plan that works in any shape or form.

Most small businesses need at least a few insurance plans. These will include:

  • Workers’ compensation insurance
  • Liability insurance
  • Workers’ Compensation insurance
  • Property insurance
  • Commercial Auto Insurance
  • Professional Liability
  • Cyber insurance

Now that you know how important insurance is, you may be motivated to choose a plan and purchase it for your company. Our staff is pleased to be able to provide a more straightforward method of purchasing commercial insurance. You have options when it comes to your insurance and how you receive and keep it. Contact us today to learn more about our policies and to ask us any questions you may have.

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Posted in church board Church Insurance Church Risk by Scott Stuart. Comments Off on Reasons Churches Need Commercial Insurance

Pre-Planning Helps You Get The Best Commercial Insurance

As a church leader, you search high and low for commercial insurance for your business. But did you know that one of the most important things you can do is lay a good foundation before you start your search? 

insurance

Business Insurance Buying Tips

  1. Know your risks. It is a good idea to review your operations and consider all the risks your business may have. Review recent legal actions and settlements in your industry. Talk to peers and find their level of coverage. Using your peer feedback and industry research, determine the average legal costs and settlement to set your coverage limits.
  2. Get your documents in order. Gather up your losses history, copies of current policies, and financial information. This will help expedite the renewal process. 
  3. Find an agent or broker you can trust. Look for an agent who knows about your type of business.

4.  A commercial insurance agent can guide you to a policy that fits the needs of your business. Using an independent agent allows you to have the agent shop the market to find the best combination of coverage, price, and service. An agent can also help you with all these items. The more the agent understands your overall business and finances, the better they will be able to find competitively priced products for you.

Consider the following non-traditional kinds of insurance.

  • Flood or earthquake
    • Employment liability
    • Cyber liability
    • Directors & officers liability
    • Increased umbrella or excess liability
    • Professional liability
    • Third-party dishonesty

We offer many lines of Commercial Insurance. We provide business insurance for Special Events. We also specialize in insurance packages for specialty and general contractors who can provide coverage for most retail operations, including restaurants, bars, stores, shops, vendors, and distributors. We also offer the following packages and mono-line coverage.

Posted in Church Risk Church Safety by Scott Stuart. Comments Off on Pre-Planning Helps You Get The Best Commercial Insurance

Remote Workers And Cyber Security Risks

There are more remote workers in American today than at any time in our recent history. Many employers are embracing this trend, but there are new risks to consider. As a result of this distant work environment, a crucial problem arises in new security threats. In our digital age, businesses have had to improve their cybersecurity, yet cybersecurity dangers have increased significantly due to remote labor. Employees who work from home are at a significantly higher risk than those who work in offices.

Ransomware attacks are also a big concern for more than two-thirds (69%) of IT executives, who anticipate that the hybrid workplace will be a target for ransomware. Targeted organizations faced a threat to their business continuity as a result of these attacks.

Sharing a computer and using it for personal purposes are two different things. It may seem self-evident, but sharing a business computer with family or roommates can be a security concern. This should be avoided at all costs, especially if your work result contains sensitive customer information.

Cyber Tips For Remote Workers

  • Keep devices patched and up-to-date.
  • Accommodate the increase of remote VPN workers.
  • Proved employee training.
  • Require passwords to be updated regularly, use PW managers.
  • Use cloud software for file management.
  • Use only secure Wi-Fi.
  • Have good backup systems

Have a good cyber liability insurance plan in place. Cyber liability insurance is a type of insurance that offers a variety of coverage choices to help organizations protect themselves from data breaches and other cyber security risks. It’s not a question of whether, but when your company will be hacked. Policyholders with cyber insurance can also use tools and services to manage and minimize cyber risk both before and after a breach.

For remote employees, cybersecurity necessitates ongoing monitoring. Give us a call if you’re concerned about your present remote security practices. We’ll examine and put safeguards in place that will allow your remote workers to work securely and productively.

Posted in Church Insurance Church Risk Church Safety Uncategorized by Scott Stuart. Comments Off on Remote Workers And Cyber Security Risks

Remote Workers And Workers’ Compensation

work comp

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:

  • Work hours
  • Equipment used
  • Time management
  • Define the scope of work
  • Designated work area
  • Proof of presence in the work area

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:

  • Was the employer benefiting from the employee’s actions when the injury occurred?
  • Did the employer require the employee to engage in the injury-causing activity?
  • Did the employer approve the off-site activity in advance?

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.

Additional References

Posted in Church Insurance Church Safety by Scott Stuart. Comments Off on Remote Workers And Workers’ Compensation

September is National Preparedness Month

Disaster Preparedness

Our thoughts and prayers continue to be with the people of Houston. Hurricane Harvey caused over 75 billion dollars of damage. While this is fresh on our minds, let’s get prepared for the unexpected.  This could be a flood, hurricane, earthquake, wild fire, or any other event that causes damage to our homes.

Remember, your homeowners insurance may or may not cover the next disaster, so it is a good idea to have our team complete a personal insurance review.  Here are some things you can do right now.  Ready.gov has provided many good resources.

Basic Preparedness Tips

  • Know where to go. If you are ordered to evacuate, know the local evacuation route(s) to take and have a plan for where you can stay. Contact your local emergency management agency for more information.
  • Put together a “go-bag” or disaster supply kit should you need to evacuate, including a flashlight, batteries, cash, first aid supplies, medications, and copies of your critical information.
  • If you are not in an area that is advised to evacuate and you decide to stay in your home, plan for adequate supplies in case you lose power and water for several days and you are not able to leave due to flooding or blocked roads.
  • Make a family emergency communication plan and review it regularly with members.
  • Many communities have text or email alerting systems for emergency notifications. To find out what alerts are available in your area, search the Internet with your town, city, or county name and the word “alerts.”
  • If there is a chance of flash flooding, move immediately to higher ground.
  • If floodwaters rise around your car but the water is not moving, abandon the car and move to higher ground. Do not leave the car and enter moving water.
  • Avoid camping or parking along streams, rivers, and creeks during heavy rainfall. These areas can flood quickly and with little warning.
  • Disconnect electrical appliances and do not touch electrical equipment if you are wet or standing in water. You could be electrocuted.
  • If instructed, turn off your gas and electricity at the main switch or valve. This helps prevent fires and explosions.

More resources for you

www.ready.gov

Download FEMA App

Posted in Church Insurance by Scott Stuart. Comments Off on September is National Preparedness Month

A Checklist For Severe Weather Claims

Insurance

As a business owner managing your risk is critical to keeping your business going and your family safe. It is important to have an insurance program that is designed that addresses your needs and risks. While insurance covers many kinds of loss, preventing loss can be better. You’re aware that severe weather might strike at any time, so you’ve purchased insurance to assist you in recovering from a storm. You’ll want to get back on your feet as soon as possible if your home or business is damaged by wind, fire, flood, tornado, hailstorm, or other natural disasters. As a result, we urge that you take the following steps to ensure that your claim is handled as quickly and efficiently as possible.

If you have a claim, here are some actions to take

  1. Review your insurance and have it ready as a reference.
  2. Assess the damage.
  3. Most insurance contracts require notice as soon as possible following a loss, and your policy includes contact information for filing a claim.
  4. Take action to mitigate any further damage. (typically insurance company will re-reimburse you.
  5. Call your agent or insurers claims hotline.
  6. Be available for the restoration contractor to arrive.
  7. Stay in touch with your adjuster and agent.
  8. Don’t hire a contractor without references and approval from the insurance company.
  9. Take pictures of damage and repairs.
  10. Take inventory of what was lost or damaged.
  11. Don’t toss anything before the adjuster or insurer approves.
  12. Don’t sign any contracts for repairs without discussing it first with your agent, adjuster, or insurer.
  13. Keep all receipts and invoices for every expense you incur after the loss.

Understanding your insurance coverages and the claims process will help you recoup as quickly as possible following a loss. Follow these suggestions and contact your insurance agent for further information.

Posted in Uncategorized by Scott Stuart. Comments Off on A Checklist For Severe Weather Claims

Mission Insurance

Your next mission starts the moment you ask, “what’s possible?” A conversation between you and God that allows you to surrender to His plans for you. Whether it’s a two-day youth group trip to repair homes damaged by a storm or a two-year assignment overseas with just you and your family, Brotherhood Mutual’s mission is to help you honor the call. It’s why we offer coverages for every aspect of your mission work and travel, anywhere in the world. So “what’s possible” can begin the moment you move fearlessly toward the unknown.

Our Kidnap and Ransom coverage is more than an insurance policy. It’s a lifeline designed to support your ministry as you navigate the turbulence of a kidnap or ransom crisis.

Global outreach efforts can be crippled by unexpected losses like injury to foreign-based workers, international litigation, foreign detention, or other claims. Whether you are a church, denominational headquarters, mission organization, or other Christian ministry, your people need protection that journeys with them where they’re called to go, regardless of how long or how far.

Global Mission Protection from Brotherhood Mutual provides the peace of mind you need when operating in a foreign country. Whether you have a school, long-term missionaries, or other foreign operations, know you’re protected for the most comprehensive range of covered losses with Brotherhood Mutual’s new Global Mission Protection program.

Posted in Uncategorized by Scott Stuart. Comments Off on Mission Insurance

Cyber Risk For Churches

Today’s technology helps Christian ministries extend their reach when proclaiming the Gospel. Innovation is crucial when it comes to communication, but it brings about its own challenges—especially when it comes to software, social media, online giving, and e-commerce.

Our cyber liability coverages help protect your ministry against property damage, financial damage, or emotional injury claims resulting from your ministry’s activities related to computer use and electronic data.

Brotherhood Mutual’s cyber liability coverages protect your ministry against claims of:

  • Unauthorized computer use that causes damage to another’s computer-related property.
  • Computer-related activity that accidentally damages another individual, organization, or enterprise.
  • Financial losses of others from unintentional transmission of computer viruses or other harmful files.
  • Data breach liability for improperly using, failing to properly protect, or losing electronic personal information.
  • Errors caused by specified IT contractors working on your behalf.
Posted in Uncategorized by Scott Stuart. Comments Off on Cyber Risk For Churches