Jul 21
27
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.
Jul 21
17
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:
Jul 21
11
Ministry doesn’t always go according to plan. When an accident occurs during church, school, or camp activities, these excess Accident Insurance plans will help by providing coverage for medical expenses associated with accidental injuries, with deductibles as low as $0.
Coverage applies on an excess basis, after all other applicable health care plans are exhausted. If no other health care plan or policy exists, coverage will be payable like primary coverage. Additional and optional benefits may also apply. Coverage is subject to policy terms, conditions, and limitations.
Protect the people who make your organization what it is. Contact your Brotherhood Mutual agent to learn more about these accident insurance plans.
Jun 21
23
Every ministry owns business property, and you may also own the building in which you run your operations. Property insurance protects the physical assets your nonprofit owns – such as computers, office equipment, buildings, furniture, fixtures, and other property.
Every business should have a property insurance coverage to respond to the many risks associated with property ownership. Property policies offer many unique coverages, some of which we have highlighted:
Jun 21
17
We are living in uncertain times. COVID-19 and all that goes with it have created a new set of operating rules and risks. There is a number of new risks that have emerged as a result of these changing times.
It is vital that your business insurance program have the flexibility to respond to the changing and uncertain times we are living in. Your business insurance program needs to be designed to give your business the best possible coverage at a reasonable price from an agent who understands your individual needs.
Remote Workers
COVID-19 has 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. 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 are considered minor activity, getting coffee, etc.
New Cyber Risks
Commercial businesses to become more dependent on the internet with an increase in remote workers. This new normal now requires special procedures and policies to protect your organization, its data, and network. When workers feel secure, you can nurture productivity and enhance collaboration.
Finance, Social Life And Health Of Employees
Because of the requirements and arrangements following the pandemic, employees have been faced with unexpected expenses related to travel, digital needs, accommodation (home workspaces) health concerns, and protective measures. Employers need to find ways to address these needs on a long-term basis, possibly through smaller in-person gatherings, remote learning opportunities, and even allowances for home office improvements.
Employees With Disabilities
Disabled employees need additional support to adapt to changes. Specific measures are required to address their needs and ensure their access to remote works issues.
As with any risk, you want to get out in front of it quickly. The longer you wait, the harder it is to mitigate the damage. The most successful companies are those that put systems and processes in place to help them quickly recognize the warning signs and navigate the best path forward.
If an employee is injured on the job, employers are legally liable to the employee. Workers’ compensation will even cover employees who are involved in auto accidents while away from the worksite, if the accident occurred while on the job. Workplace accidents happen every day and most could have been prevented.
According to the U.S. Bureau of Labor Statistics (BLS) and the National Academy of Social Insurance, workplace accidents cost U.S. employers nearly $62 billion dollars every year, according to the 2016 Liberty Mutual Workplace study. The top five costly causes of loss may surprise you.
Top Five Costly Injuries
Prevention Tips
May 21
26
Business Insurance Update
Most every business in owns business property, which may include the building in which you run your operations. Property insurance protects the physical assets your business owns – such as computers, office equipment, buildings, furniture, fixtures, and other property. Every business should have a comprehensive property insurance portfolio to respond to the many risks associated with property ownership.
We hope to help you indemnify a proactive plan in the event of a fire, theft, storm, or some other kind of damage that might involve your business insurance policy. There are a number of actions you can do to help get the best possible settlement from the insurance company.
Pre-Loss Practices
During The Loss
Workers’ compensation is a no-fault system of benefits provided by states to most workers who have job-related injuries. If your company has employees, you are required by Alaska law to buy workers’ compensation insurance.
However, todays technologies allow employees to work from home, and this creates unique workers’ compensation risks for businesses. If you have telecommuting employees, you will need to make sure they are covered under your businesses workers’ compensation insurance.
A Few Actions That Might Not Be A Compensable Claim Under Workers’ Comp
Risk Management Techniques For Telecommuting Employees
May 21
19
Natural disasters are part of the price we all pay for living on the west coast. We all appreciate the good weather, lakes, mountains, and the natural beauty found on the west coast. However, fires, mudslides, floods, and earthquakes are just a few of the natural disasters common to the western states. Earthquakes are especially a concern in many of the western states, and they are almost impossible to predict with 100% accuracy.
Earthquake Insurance – Typically, earthquake insurance covers damage to your home, business, and your personal property. Most policies also cover costs incurred to minimize further damage after the earthquake, plus costs for additional expenses. Deductibles are generally 10-15% of the insured amount. Earthquake losses are not covered under your homeowners insurance policy.
Earthquake Safety Tips
Unlike flood insurance, earthquake coverage is available from private insurance companies rather than from the government.
Every agency and business has a critical component that ensures its performance. It’s known as employee engagement. It can mean the difference between your employees feeling motivated to take the company to greater heights or feeling overwhelmed to the point of sabotage. It is important that all employees feel engaged in the business so that the entire team is moving toward a common goal. The results will be customers who are getting their needs addressed.
This is important when you don’t treat insurance as a product but a service, but rather a relationship. Customers want advice, communication, education and partnerships with their insurance agent. In order to accomplish this, agencies must create a different management model. Here are ways to help employees feel more engaged.
Ask employees to how to improve customer service
Your staff knows better how to improve customer service. Ask them what they believe your customers are looking for. Then create policies and procedures that address these areas.
Seek impute from customers
Unlike some big national firms, we don’t have a set of scripted statements to give to you. We listen to what you are saying and then respond accordingly. We ask the right questions to find the individual insurance solution for you.
Be intentional about culture
Reichley Insurance is in the business to meet people’s and businesses’ needs. We don’t ever sell you a product. We create and deliver personal and business solutions that address your individual needs, and sometimes that may not include any insurance if it is not in your best interest. Our belief is that by doing what is best for you… we will also benefit.
Build performance goals and hold everyone accountable
Most people desire to know where they stand and how they can improve in order to make more money or advance.
We know and understand your industry. Before we do anything, we take time to get to know you. Our staff has a deep understanding of how insurance works, and we continually seek training and education. Our team has over 150 combined years of experience.
These commitments result in the highest customer satisfaction and confidence. They are Reichley Insurance Agency’s highest priorities.
You must be logged in to post a comment.