Learn about functional value as a potential alternative for older church buildings. Read why functional value may be a practical choice for older churches Generational shifts in church membership are real and widespread. With headcounts dropping and expenses maintaining at best, many churches are exploring options to cut costs. For those churches which qualify, the…

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Happy 35th Anniversary to the Insurance Board! Culture: That may seem a strange title for a blog post from an insurance agent, but with the importance of culture in our role servicing Religious Institutions throughout Northern Ohio, I believe it an important point to discuss. One of our partners, the United Church Insurance Associations (dba…

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Discover the three most common reasons churches receive property insurance claim denials. Learn why insurance is protection, but not the answer to prayer. Your church buys insurance for protection. Like any other organization, your church needs the practical benefits of insurance coverage to insulate it from financial loss. That said, insurance is not the answer…

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According to the Insurance Information Institute 30.2% of all church fires are started by lightning strikes. With that in mind, why don’t more churches have lightning rods? Lightning rods originally developed by Benjamin Franklin in the mid 1700’s still offer an effective method to divert the energy of a lightning strike. (read more) Lightning rods…

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As a new member on the board the journey you are beginning can be very rewarding in helping your church reach its’ goals but understanding your responsibilities is a key to that success. “But as for you, Daniel, conceal these words and seal up the book until the end of time; many will go back…

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Learn basic factors insurance companies use to price General Liability business insurance Read how General Liability business insurance is rated When you buy coffee at the neighborhood coffee shop, visit the dentist for a professional check-up, go grocery shopping, remodel your kitchen, or eat out at your favorite restaurant in Cleveland, you are supporting the…

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What is meant by the term “safe church policy”? Essentially, it is an intentional plan implemented by a church to prevent acts of sexual abuse. A safe church policy is designed to protect all persons from acts of sexual abuse, whether an alleged act is committed by a person of authority (i.e. minister, pastor, rabbi,…

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Steve, a hypothetical church volunteer in this example, is a longtime, trusted, and active church member. Steve helps the church in all manner of tasks, from participating in counting the weekly collection on Sunday morning to knocking off icicles on the church gutters. Recently Steve was injured on church property when he fell about six…

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Learn how members of struggling mainline Protestant churches may find closure. Read practical suggestions for members of declining mainline Protestant churches. Part One of this blog appeared last month. I introduced the subject of mainline Protestant churches in the United States struggling to survive. Part Two acknowledges that while many of these churches continue in…

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Churches and non-profit organizations like yours have some very unique insurance needs. Important protection is required for your organization that others don’t have to worry about. Your mission often times is to help people who have been affected by disaster. How can you help others if you cannot recover from a disaster yourself? Take your…

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