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Workers Compensation Cost Savings Strategies

Published on November 20, 2019 By usdigital

  A Safety Program helps in two ways:  Many insurance companies provide a credit just for having a safety program in place and your loss history is one of the key factors underwriters take into account when rating your Workers’ Compensation premium. Several keys to a successful Safety Program 1. Management Commitment If upper management […]

Are You Shopping Online This Holiday?

Published on November 12, 2019 By Scott Stuart

Personal Insurance Update The holiday shopping season is upon us, and many of us are searching our favorite web pages for the best deals on the items that top this year’s wish list.  Last year, cyber Monday was the year’s single biggest day for shopping, generating over 2 billion dollars in sales.  This year, consumer […]

Your Church At Risk

Published on October 28, 2019 By Scott Stuart

  Here are nine areas to consider when developing a risk management plan for your church. CMI can help you identify and manage your risks through insurance and safety services. 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? […]

Church Risk Issues

Published on September 26, 2019 By Scott Stuart

Every business faces risks of various kinds. If you have employees you have the risk of employee injury. You most likely buy workers’ compensation to protect yourself from this risk. No owner or manager wants to believe that their business is exposed to great risks; however, many situations may expose your company to lawsuits, liability […]

Churches Are Full Of Risk

Published on December 11, 2018 By usdigital

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 your company attractive to insurers. This […]

Misconceptions About Cyber Liability

Published on November 26, 2018 By Scott Stuart

Cyber liability coverage (for data breaches) has evolved from just insurance for information technology companies to coverage that nearly every kind of business should have – if they don’t already. From retailers, banks, contractors, distributors, restaurants and medical offices, many companies are unaware of the severe data breach exposure they face. In short, any business […]

Church Board Failures

Published on November 18, 2018 By Scott Stuart

Being selected to serve on your church board is a great honor. It can be a rewarding ministry and provides one of the most valuable services to the body. Serving on a church board can really have a meaningful impact but also have some dangers. We have seen many boards get caught in traps, and […]

Youth Ministry Risk Management

Published on November 9, 2018 By usdigital

Risk Management that could have helped Penn State and Syracuse University sports teams. The awful discovery these past few weeks from prominent Universities and iconic head coaches like Joe Paterno and Jim Boeheim that their immediate staff was potentially abusing children was quite sad. Unfortunately these circumstances are not isolated and could happen to any […]

Church Fires Can Destroy A Ministry

Published on October 29, 2018 By Scott Stuart

Most every Church 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 […]

Earthquake Insurance… Just The Facts

Published on October 24, 2018 By Scott Stuart

Everyone knows they need earthquake insurance, but not every business buys it. Let’s review some facts. The U.S. has about 20,000 earthquakes a year, mostly small, and 42 states are at risk of quakes, according to the U.S. Geological Survey. Just 10 percent of California businesses with property insurance also carry earthquake coverage, according to […]