|General Liability||Cyber Liability Coverage||Abuse Liability Coverage|
|Professional Liability||Management Liability Coverage||Crime Coverage|
|Property Coverage||Equipment Breakdown||Religious Enhancements|
|Employee Benefits Liability||Workers Compensation||Group Health|
|Employment Practices Liability||Umbrella||Benefits|
|Auto Liability||Student Accident Coverage||AND More....|
FLORIDA CHURCH INSURANCE
Most churches have activities that extend far beyond their normal Sunday service. The reality is that every church is susceptible to a lawsuit by its members, guests and other individuals. No matter what precautions you may have in place; accidents happen, property gets damaged, people get hurt, liability issues occur, thefts takes place and much more. For the many unavoidable situations or accidents that happen, you need a great insurance program that will protect your entire church, even when off campus. Being an active member in our church helps us to better understand some of the needs of the church while giving us a bird’s eye view to help find gaps in coverage and offer solutions in the most economical way, while representing the premier providers of insurance for religious institutions.
Do we really need sexual abuse coverage?
Any organization that works with children has the potential to be accused of a crime that is sexual in nature. It doesn’t matter if nothing really happened an accusation can be made regardless of fault and the church would then have to defend itself. Sexual Misconduct is one of the most serious financial exposures facing church/religious organizations. It is an unfortunate fact that this is a necessary coverage.
What steps should be taken then?
Always make sure there are at least two people in a room or car with a child at all times. It is just best to never be alone with a child so there is nothing to be brought to speculation. Run background checks on anyone working with children and make new members wait at least a year before they are allowed to work with children. Make sure to have a written plan to handle allegations and have polices in place that address it in the church handbook. Have sexual abuse prevention training interviews with new hires and volunteers.
Is Crime and theft coverage really that important? Just check out the statistics!
- * About 30% of all workers will steal.
- The average church loss due to fraud is $120,000.
- About 1 out of every 8 churches experiences a theft or burglary each year.
- Church theft most often occurs from one of the most trusted people of the church; which is how they got put into that position.
- Most fraud goes on for 18 months before it is noticed, if it is ever caught.
- In 2014 people in the church stole more than $39 billion in church related financial fraud.
- During that same time period churches spent $35 billion on worldwide mission work. – How can it be that churches are losing more to theft than it is using for mission work?
What steps should be taken then?
- Have a dual control system when money is involved to prevent inside theft and the temptation to steal.
- Take the time to implement proper policies, procedures and controls when it comes to church financials and have a proper insurance policy in place.
To prevent copper? Theft…
- consider caging your air condition unit and you can even go as far as wiring an alarm to it. A central station burglar alarm is also a good idea or at least a sounding alarm to scare a burglar away.
If I’m a small church and don’t counsel why do I need pastoral counseling professional liability?
You may not consider yourself a counselor however you do give out professional advice. Also keep in mind if you marry a couple it usually comes with pre-marital counseling.
Why Fearnow Insurance for church insurance?
Christian Agency – We understand the ministry and want to be your trusted partner with YOUR BEST interest in mind.
Church Specialist – We understand that every dollar counts, proper coverage is a must while being insured with a reputable insurance company.
Amazing Products - We represent premier providers of insurance for non-profits and have many different options to form specialized policies tailored to your specific needs. We turn your problems into solutions.
The Fearnow Team - We understand the value of working as a team to provide extraordinary service and strive for your 100% satisfaction.
True Partners – We share some of the same goals, to impact the kingdom and make disciples. We want to help provide the best coverage at the best price so your church can be the most effective.
“Meet two of our church insurance specialist.”
Colossians 3:23 And whatever you do, do it heartily, as to the Lord and not to men
It Is Our Ministry To Serve The Ministry…
As fellow Christians, we believe an area of our ministry is to provide a service of Insurance.
Being actively involved in our local church, gives us a bird’s eye view into specific needs of the church and its distinct ministries.
As Licensed Insurance Agents, we also understand the coverages needed by churches and their schools. We understand the importance of having a trusted partner and honest adviser to negotiate on the church’s behalf. This is our calling of servant-ship for God’s church.
We will provide upfront, honest and professional service through; experience, education, coverage offerings and carrier options. We believe we are able to truly serve the church’s insurance needs and help provide proper protection at the best rates, for the church and all involved.
Thank you and God Bless,
Brian & Robbie Fearnow