Think Before You Loan Your Ministry's Vehicles

Has your church or school ever been asked to loan one of your vans or buses to another?

Before you decide to loan your ministry vehicles to another organization, seriously consider the potential risks associated with such a decision. You would do better to practice your generosity by assisting financially in leasing or chartering a vehicle from a rental agency, rather than risking your own vehicle.

If you do choose to allow another party to use your vehicle, here are some important things to consider:

 

  • Your ministry will be held fully liable for damage caused by improper operation of your vehicle by others.

  • Your policy covers you and your organization, but it may not adequately cover others outside your organi­zation.

  • If the user damages your vehicle, he most likely will expect you to turn in the damages under your insur­ance rather than pay the damages out of his own pocket.

  • When you loan or lease your vehicle, you lose all supervisory control over who may drive it and how it’s operated and cared for.

  • Specify in writing who will be responsible for damage to your vehicle. If the other party agrees to be responsible, it will have to purchase special physical damage protection. Verify coverage on a certif‍icate of insurance that the other party gives to you.

  • Outline your requirements to the user regarding who may operate your vehicle and under what conditions. Make sure that the driver has a valid license, a good driving record, and experience operating your type of vehicle.

  • Make sure any vehicle you loan is in top mechanical condition.

  • Before you lease your vehicle for hire, consult your attorney to verify that you comply with state and interstate laws governing vehicles operated for transporting passengers for hire. Stricter standards apply when you lease than when you loan.

  • Make sure your vehicle will be used for ministry activities. Your coverage may be voided or limited it’s used for some other activity or commercial purpose.

March 30, 2020
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March 6, 2020
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Tags: missions, insurance
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Tags: ACA, IRS
July 3, 2019
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Tags: firework safety
June 28, 2019
Insurance is one of those things we forget about until we need it
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National Insurance Awareness Day falls on June 28 this year to remind people everywhere that insurance is vital to their companies and ministries.

Tags: coverage, protect, directors and officers, liability, damages
April 30, 2019
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Tags: protect, liability, health safety, risk management, measles
April 9, 2019
Vehicle Registration Guidelines for Ministries
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Do you use commercial vehicles that transport more than 15 passengers or carry cargo from one state to another as part of your ministry? If so, you are required to register with the Federal Motor Carrier Safety Administration (FMCSA) and obtain a USDOT number.

Tags: liability, auto insurance, vehicle safety
March 17, 2019
March 17-22 is Severe Weather Preparedness Week in Indiana
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As winter turns to spring, we’re also in for a turn in weather. Lightning, strong winds, flash flooding, hail, or tornadoes could quickly strike your ministry. Brotherhood Mutual offers some practical advice on how to plan for how your ministry will protect the people and property in its care.

Tags: protect, property, weather emergency, storms, disaster prep, risk management
June 1, 2018
June Is National Safety Month - Week 1: Emergency Preparedness
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The National Safety Council has designated June as National Safety Month, so we want to make sure your ministry is doing everything it can to protect its people, property, and programs. Each week in June, we’ll tackle a different topic. Up this week: Emergency Preparedness.

Tags: disaster prep, fire prevention, lightning, medical emergency, storms, weather emergency
April 18, 2018
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Tags: finance, donations, cyber security, fraud
February 21, 2018
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Tags: Billy Graham
February 9, 2018
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Tags: health safety, risk, protect, health, flu
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Tags: damages, insurance, claims, liability, protect, risk, safety, church offerings
June 19, 2017
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Tags: youth, insurance, safety
June 7, 2017
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Tags: liability, mission travel, medical, coverage, foreign travel
May 24, 2017
Think Before You Loan Your Ministry's Vehicles
Think Before You Loan Your Ministry's Vehicles

Has your church or school ever been asked to loan one of your vans or buses to another? Before you decide to loan your ministry vehicles to another organization, seriously consider the potential risks associated with such a decision.

Tags: auto insurance, loaning vehicles
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Tags: claims, coverage, insurance, property
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Tags: protect, safety, security, security team, protecting staff members, risk management