May 24, 2017
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.
As school is back in session, it’s important to make sure your school is equipped with the correct safety procedures. Thinking about your school’s physical security as a series of layers can help you find gaps in your plan. Transportation and volunteers are just two important aspects of your school safety plan to think about.
Anyone who turns on the news, flips through a magazine, or browses the web can see that American society and culture are experiencing rapid transitions. Some ministries have valid concerns that issues surrounding societal shifts may expose them to negative publicity, governmental scrutiny, or litigation.
Cyber security is increasingly crucial in our technologically advanced world. Scammers use many schemes when attempting to steal your data, but you can outsmart them by understanding their methods.
When conflict occurs in the church, it can threaten the unity of a congregation. Experts say the only way to heal conflict is to acknowledge and address it. But how?
Theft isn’t just an issue for banks and large companies. Sometimes the kind and caring nature of your ministry is exactly what makes you a target. Organizational Optional Theft Coverage helps to assure that, if a thief takes advantage of your institution, what’s lost can be restored.
Most ministry leaders don’t realize there is funding available to non-profit employers including churches, schools, colleges, and camps. This post includes some highlights about the credit and guidance on where to start to see if your ministry is eligible.
April is National Child Abuse Prevention Month. Though child abuse may not be something you could ever imagine happening within your ministry, sexual abuse of a minor is one of the top five reasons churches end up in court, according to Church Law & Tax. Studies also show that a child is much more likely to be sexually abused by a trusted adult than a stranger.
When severe storms strike, they can produce high winds and tornadoes. Damaging winds can wreak havoc on your ministry’s property and to buildings. A high wind event can crash debris through your windows, strip your siding, down trees on your parking lot, peel shingles off your roof, and fling back the flashing.
Thieves are taking advantage of soaring precious metal prices. Take steps to protect your ministry’s vehicles and property.
As temperatures plummet, the risk of freezing pipes soars. Frozen pipes can cause costly messes that could also put your ministry on hold while you clean up.
Preparing for this Christmas season may require additional creativity, due to the uncertainty of what COVID-19 may bring in our local community.
A mid-November deadline in the Boy Scouts of America’s (BSA) bankruptcy proceedings may have you wondering what the organization’s bankruptcy filing means for your ministry if you ever hosted or chartered Boy Scout Troops.
Organizations that obtained Paycheck Protection Program (PPP) funding through the CARES Act can have their loans forgiven, turning them into grants. To qualify, each borrower must file a forgiveness application with its PPP lender, proving that it followed the rules. If your church, school, college, or camp meets all the criteria, 100% of its loan can be forgiven.
Learn about the CARES Act and two loans for which ministries may be eligible, since Congress authorized additional funding April 23.
As concern over the dangers associated with the spread of a new coronavirus, COVID-19, spreads, our agency and Brotherhood Mutual want to keep you informed and provide best practices for managing the spread of this and similar illnesses at your ministry.
The first Sunday in February is a big day for sports fans. In fact, many Americans view Super Bowl Sunday as a national holiday. Friends and families will gather this year to watch the big game, enjoy delicious snacks, and of course, critique the commercials that go along with game day.
Recently, we learned about two major overseas incidents involving pastors on mission trips. The first incident involved a pastor being hit by a motorcycle while running. The second was a bus accident involving two pastors. The runner and one of the two bus passengers sustained extensive injuries.
Last month, the IRS announced that its initiating hundreds of church exams to test compliance with the Affordable Care Act (ACA). While many provisions only apply to churches with 50 or more full-time equivalent employees (FTEs), even smaller churches could potentially violate provisions applicable to health benefit plans with as few as 2 plan participants.
July 4th is synonymous with food, fun, and fireworks. If your church is planning an event this Independence Day, remember to keep a focus on safety, so that everyone can have fun.
National Insurance Awareness Day falls on June 28 this year to remind people everywhere that insurance is vital to their companies and ministries.