Your church is your priority and protecting it is my priority. BRMS is a full service insurance brokerage company that specializes in helping churches & schools adequatley insure thier organization. We work with stable "A" rated carriers that are willing to compete for your business.
Types of Coverages
- Churches, Synagogues
- Yeshivas, Day Schools, Masivtas, Christian Schools K-12
- Day Care Centers
- Camps, Retreats, & Conference Centers
- Community Centers
- Christian Colleges & Universites
- District & Administrative Offices
- Youth Ministries & Organizations
- Special Events
- Non-profit organizations (secular & non-secular)
Risk Management Planning for your ministry in the following areas
- Professional Liability
- General Liability
- Directors & Officers
- Employment Practices
- Workers Compensation
- Group Health
- Excess Liability
- Cyber Liability
- Emergency Preparedness
- Facility Safety
- Financial Safeguards
- Employee and Volunteer Safety
- Children & Youth Safety
- Transportation Safety
As a Faith Based Organization, you need the same kinds of insurance coverages for the car used in your daily business as you would for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many people use the same vehicle for both business and pleasure. If the vehicle is owned by your organization, make sure your organization's name appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options. Also note that if you are currently insured as an individual and have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage in force.
Unfortunately, the chances of getting sued have dramatically increased in the last decade1. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your organization is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. The insurance companies we represent provide liability programs that extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.
Broad Range of General Liability Protection
- Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
- Property Damage coverage for the physical damage to property of others or the loss of use of that property
- Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your organization made or service your organization provided
- Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
- Contractual Liability extends to any liability you may assume by entering into a variety of contracts
- Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific coverage types
Workers Compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Do I need workers compensation insurance?
As an employer you have a legal responsibility to your employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, employers are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitiation services. It also provides death benefits to surviving spouses and dependents.
Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.
Please note that Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.
Cyber Liability Insurance
If you asked business owners to name their top three assets, it is very likely that every one of them would mention their data in that top three. From social security numbers to credit card information, all companies hold sensitive data. There are massive consequences if this data is not protected.
What is a cyber risk? A cyber risk is the potential for electronic equipment to fail and for sensitive electronic data to be stolen and/or leaked, resulting in expensive cleanup tactics. Cyber risks come in many forms, often resulting in the liability of your business to take care of such threats.
Criminals make attempts to steal money from religious institutions through unauthorized electronic fund transfers, phishing, cyber extortion, and identity theft. It is usually as simple as accidental human error of the financially responsible individual at your religious institution.
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1 - Source : Fulbright & Jaworski LLP 2012 Litigation Trends Survey