FaithGuard Church. Your Program of Protection Should Include: Property Liability Crime Inland...
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Transcript of FaithGuard Church. Your Program of Protection Should Include: Property Liability Crime Inland...
FaithGuard Church
Your Program of Protection Should Include:
•Property
•Liability
•Crime
•Inland Marine
Your Program of Protection Should Include:
Equipment Breakdown
•Workers’ Comp
•Umbrella.
•Business Auto
Property Coverage
Basic Form:FireLightningExplosionWindstorm or hailSmokeSprinkler leakage
Property Coverage
Basic Form: Vandalism Riot or civil commotion Aircraft or vehicles Sinkhole collapse Volcanic action
Property Coverage
Broad Form:
Includes all basic form perils, plus: Falling objects Water damage Building collapse Glass breakage Weight of snow, ice or sleet
Property Coverage
Special Form:Includes all Basic and Broad
Form perils, plus any cause of loss NOT specifically excluded
Property Coverage
Special FormExamples:• Kitchen damage due to appliance failure
• Theft of church contents from premises
• Theft, or damage to building from
attempted theft.
• Damage from acid/chemical spills
Property - Extensions
Newly acquired propertyPersonal property of othersValuable papers and recordsProperty off premisesAppurtenant structures
Property - Extensions
Property in the openOutdoor trees, shrubs, plants,
and lawnsSignsIndirect lossFire department service charge
Property - Extensions
Debris removalLock replacementAnti-arson rewardSewer/drain backupOrdinance or lawAutomatic fire suppression recharge
Property - Extensions
Awnings, canopies, fire extinguishers, refrigerated products
Pollutant cleanupChurch fidelity bondVacant staff dwelling
Property - Options
Replacement costNo deduction for depreciation on
covered property lossesAgreed value
No coinsurance penalty at time of loss
Liability Coverage
Includes:Church members, employees, officials, and volunteers acting on behalf of church
World-wide coverageDamage to property of others
Liability Coverage
Includes:Advertising/personal injuryNewly acquired organizationsLegal liabilityClergy and lay counseling coverage
Liability Coverage
Medical payments:Pays ALL reasonable medical expenses
of church, regardless of liabilityCovers members, guests and volunteersPrimary coverage on or off premisesExcess coverage for athletic activitiesLoss of Life
Liability - Optional Coverage
Directors, officers and trusteesHired and non-owned autoSexual misconductEmployee benefitsDay/nursery/student medicalCorporal punishment
Crime
Church theft:Provides blanket coverage including money and securities
Include double money coverage for four days of your choice
Crime
Employee dishonesty Provides coverage for dishonest acts
of officers, ministers and duly appointed or elected officials
Forgery and alteration
Inland Marine
Musical instrumentsFine artData processing equipmentMaintenance equipmentMinster’s business propertySignsScheduled property
Equipment Breakdown
Common exposures:Cast iron heating boilers:
– subject to burning, cracking
Air conditioning systems:– susceptible to burnout
Equipment Breakdown
Common exposuresElectrical wiring, circuit breakers and switches subject to overload
Communication equipment
susceptible to power surges
Special Policies Available
Workers' compensationPays benefits to employees as required by state law
Provides protection for lawsuits brought by employees
Special Policies Available
UmbrellaProvides excess limits of liability when underlying limits are exhausted
Provides primary coverage for many losses not covered by an underlying policy
Special Policies Available
Business autoProvides liability and physical damage coverage for church-owned vehicles
Why Choose GuideOne?
America's leading specialty insurer of churches
50 years of making a differenceRated “A” Excellent by AM BestOne of Ward’s Top 50 Performing
Insurance Companies of over 3000Denominational endorsements
Why Choose GuideOne?
24/7 Claims ServiceLoss control services availableOver 3,000 professionally trained
agents serving their local communities
FaithGuard Church