ChurchSafety

Most ministry leaders think of insurance in the same way they think of surgery—sometimes necessary, usually expensive, and best left to the professionals to handle. While working with an insurance professional is important, your knowledge of and involvement in the insurance process is critical to protecting your ministry.

• The price is right. Even with the best intentions, ministries without insurance can suffer lasting and detrimental losses, both financially and otherwise. Insurance coverage is worth the investment.
  
  
• Slice through the legal lingo. It's important to understand the legal insurance terms that apply to your ministry's protection and coverage. Acquaint yourself with the real-world, working definitions for some of those thick slices of legal lingo.
  
  
• Pick your partner. Choosing an insurance company is an important decision that cannot be made based on price alone. It's important to choose a financially secure company that really understands your ministry. A company focused on ministry will be better able to serve your needs.
  
  

• Roll Call. Make sure you have a detailed and thorough inventory of objects and materials in your building. Check each and every item, and document the items on camera or video.
  
  
• Get fully covered. There are different levels, amounts, and types of coverages available. How much is enough for your ministry? Get specific, thorough coverages to make sure your ministry is protected.
  
  
• Education leads to satisfaction. Take advantage of current risk management resources available to you. The more you know the better informed your insurance decisions will be, which will lead to your insurance satisfaction.
  
  
• Hidden under the rug. Find out more about coverages you may not know you need. For example, ministry volunteers and staff members are groups that may have hidden risks and liabilities that affect your ministry.
  
  

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