Are You Covered If You're Injured Overseas?

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.

Unfortunately, in both cases, neither ministry had Faith Ventures travel insurance, which could have covered their medical needs as well as medical evacuations. While a church may have limited coverage under its liability policy, having Faith Ventures travel insurance would have provided more protection for these pastors.

No one wants to experience a medical emergency, especially in a different country with so many unknown variables.

  • Where is the closest hospital?
  • Can they provide adequate care?
  • What if we need to be evacuated?
  • Can you afford the care you need with the money you have on hand?
  • Are language services available?

This is why making sure your mission travelers are properly covered is crucial. Travel insurance can provide assistance, protection, and guidance amid a crisis.

Faith Ventures offers 24/7 emergency help, medical evacuation, accidental death and dismemberment, and more. Ideally, your ministry’s travelers will be covered by Worldwide Liability and Faith Ventures as these coverages were designed to go hand in hand as the liability coverage is built for the church, and Faith Ventures protects the individual. Please feel free to call or email us if you have any questions about your current coverage.

May 14, 2024
Documenting an incident: Essential information you need to capture.
Documenting an incident: Essential information you need to capture.

Of all the liability claims that Brotherhood Mutual pays out each year, bodily injury and medical claims are at the top of the list. If your ministry hasn’t experienced a slip-and-fall incident resulting in an injury, it is just a matter of time until you do.

Tags: liability, insurance, protection, security, accident, incident
May 14, 2024
Have you reviewed your Governance Documents?
Have you reviewed your Governance Documents?

For most churches, and many nonprofits, the end of the school year signals the end of the ministry year.  Many of those same churches and nonprofits have fiscal year ends as of June 30.  This is a great time to review what is commonly called your organizational “governance” documents. 

Tags: governance, law, protection, bylaws
May 14, 2024
Can Claims Be Avoided?
Can Claims Be Avoided?

As I sit here in Kansas watching the news and reports of severe weather in my State and those States that surround me, I must remind myself, “there is not much I can do about this.” As a “fixer” this is difficult for me. The storms are going to roll in and at least we have the weather service who helps prepare us to “stay out of the way.”  To answer my own question, we cannot avoid weather related claims.

Tags: claims, flologic, water damage
May 14, 2024
From the Exiled Nigerian Prince to a Trusted Vendor: It's Time to Pay Attention to Cyber Threats
From the Exiled Nigerian Prince to a Trusted Vendor: It's Time to Pay Attention to Cyber Threats

Remember the days when hackers were imagined as shadowy figures living in their parent's basements, playing video games, and eating Doritos while crafting scam emails? Well, that image is now outdated. The world of cybercrime has evolved, and it's both sophisticated and terrifying. According to a recent annual cyber claims report from an insurance carrier called, Coalition, the Federal Bureau of Investigation (FBI), received more than 880,000 complaints of cybercrime in 2023 with reported losses of $12.5 billion.

Tags: cyber security, scam, protection, insurance, tithe
April 11, 2024
Mission Trip Fundraising
Mission Trip Fundraising

If your church or nonprofit engages in short-term, summer mission trips, this time often signals the beginning of fundraising projects. Before you appeal for donations, it is important to review the rules of what the IRS calls “deputized fundraising” making sure you have the proper policies and procedures in place to maintain compliance. Failure to maintain compliance could result in the loss of your tax-exempt status.

Tags: ministry, mission trip, fundraising, summer
February 19, 2024
Is Your Facility Use Agreement Working For You?
Is Your Facility Use Agreement Working For You?

With Valentine’s Day upon us and the official May-to-October wedding season not far behind, many couples are searching for the perfect wedding venue.  Schools and performing arts organizations are looking for end-of-year performance and graduation venues.  Your church or nonprofit facility might be the perfect match.  Engaging the opportunity has stewardship and community outreach benefits.  But opening your facilities to other activities and users involves risk.  A Facility Use Policy sets the standard for your facility use.   A Facility Use Agreement implements that standard.  To be effective,  leaders must answer three questions.

Tags: church insurance, ministry, legal agreements, facility rental
February 19, 2024
PART TWO: How protected are members of your safety team? The answer may surprise you.
PART TWO: How protected are members of your safety team? The answer may surprise you.

The focus of this article is to address some of the risks and liabilities associated with having an armed safety team. Click here to read PART ONE.

Tags: church safety, security teams, ministry, hr
February 19, 2024
Client Success Advisors at your Service!
Client Success Advisors at your Service!

Over the last few years, our agency has continued to grow and expand across the Midwest & Rockies, now spanning six states: Nebraska, North Dakota, South Dakota, Kansas, Colorado, and Wyoming. Serving over 3,000 ministries and nonprofit organizations, we are deeply grateful for the opportunity to support you.

Tags: trends, insurance, church, ministry
February 19, 2024
5 Predictions on What is Going to Happen in 2024's Church Insurance Market
5 Predictions on What is Going to Happen in 2024's Church Insurance Market

Do you ever feel like some words just get overused?  I do.  I live in a house with two teenagers and a sweet little boy who watches everything they do.  The word "literally", gets used in 80% of sentences...  It isn't even impactful anymore.  It means nothing.  Because if they didn't use that word, I would just expect that most of what they were saying was metaphoric in nature.

Tags: trends, insurance, church, ministry
January 12, 2024
Worker Classification Risk: Employee v. Independent Contractor
Worker Classification Risk:  Employee v. Independent Contractor

The new year signals the end of one payroll year and the beginning of another.  As you process employee W2s and independent contractor 1099s, take time to evaluate a critical aspect of your ministry business risk management program: proper worker classification.  While the percentage of the American workforce comprising “contingent workers” (independent contractors, contract employees, temporary employees, leased employees) was rapidly increasing before COVID, since COVID and the acceptance of the remote workplace, use of contingent workers has skyrocketed. You probably have several on your payroll.

Tags: independent contractor, w2, classification
January 12, 2024
How protected are members of your safety team?
How protected are members of your safety team?

Over the last few years, I have had the opportunity to speak with several thousand church safety team members across the country. By far the most common question I get from this group is “Am I covered if something bad happens?” This is not a question that only pertains to armed safety team members. Truth is, anyone who serves in the protection of a ministry should be asking that question. The purpose of this article is to help ministries be better informed and more prepared in advance of an incident occurring.

Tags: safety team, security, ministry protection
January 12, 2024
Stay Ahead of the Freeze: Sign Up for Text Alerts
Stay Ahead of the Freeze: Sign Up for Text Alerts

We’re encouraging all customers to stay ahead of the freezing weather by signing up to receive Extreme Freezing Weather Text Alerts from Brotherhood Mutual. It’s new. The alert also links to actions you can take immediately to prevent or minimize damage to your buildings before forecasted weather arrives.

Tags: text alerts, frozen pipes, severe weather, winter weather
January 12, 2024
There's Something for Everyone at this Year's 2024 Ministry Boot Camp!
There's Something for Everyone at this Year's 2024 Ministry Boot Camp!

Join us for a comprehensive, one-day training for all! Tailored breakout sessions cover complex HR topics for administration and provides in-depth training, including a deeper review into de-escalation, for the security team. In the afternoon, unite in a deep dive on child safety with proprietary insights the anatomy of an abuse claim and protecting our youth.

Tags: ministry bootcamp, security training, HR training, human resources
December 20, 2023
Wishing you a Merry Christmas – 80s Style
Wishing you a Merry Christmas – 80s Style
Tags: ministry protection, coverages, liability, umbrella policy
November 7, 2023
Three common pitfalls that may be hidden in your church's lease
Three Common Pitfalls That May Be Hidden In Your Church's Lease

One positive aspect of today’s challenged economy is the availability of underutilized or empty commercial space. Before your ministry takes the plunge into a lease agreement, we want to make sure you're well-informed and prepared to avoid some common pitfalls.

Tags: ministry, lease, property
November 7, 2023
Insurance Companies Are Forced To Respond To Unprecedented Market Strain. What Does This Mean For You?
Insurance Companies Are Forced To Respond To Unprecedented Market Strain. What Does This Mean For You?

In this month's perspective on the insurance market, I wanted to talk about the massive upward trending we are seeing in cancellation of policies.  Our agency has observed a remarkable surge in inquiries from churches not currently under our insurance coverage. These churches are facing non-renewal by their existing carriers, a trend that has expanded beyond the norm of non-renewals due to excessive losses. Instead, carriers are now opting not to renew based on the risk profile of the ministry, which encompasses factors like geography, insured value, and construction type.

Tags: market strain, weather, catastrophic losses, renewal, risk
November 7, 2023
Umbrella for a Rainy Day
Umbrella for a Rainy Day

There are so many insurance policies to consider when it comes to protecting your ministry, and keeping track of each one’s coverages can be a mind-numbing task. One that I often hear confusion about is the Excess Liability policy, more commonly referred to as an Umbrella. While these terms aren’t exactly interchangeable in the broader insurance world, they do have a lot of overlap. For purposes of understanding your Brotherhood Mutual policy, they are basically synonymous.

Tags: ministry protection, coverages, liability, umbrella policy
October 6, 2023
The Crucial Role of Key Man Life Insurance for Church Pastors
The Crucial Role of Key Man Life Insurance for Church Pastors

In recent times, our team has observed a growing demand for key man life insurance, particularly within the realm of church leadership. Pastors are the spiritual pillars of their congregations, providing guidance, support, and a sense of community. While their spiritual contributions are invaluable, it's equally important to consider their financial well-being and the stability of the church should an unforeseen tragedy occur.

Tags: finance, security, church pastor, community
October 6, 2023
Wellbeing Resources for Ministry Leaders
Wellbeing Resources for Ministry Leaders

The holiday season is fast approaching, and it's time to prepare for the festive cheer, delicious food, twinkling lights, and heartwarming gatherings. But amidst all the joy and celebration, let's take a moment to reflect on something essential - the well-being of our ministry leaders.

Tags: full strength network, counseling, church pastor, pastoral counseling
October 6, 2023
Stop Plumbing Leaks with FloLogic
Stop Plumbing Leaks with FloLogic

Water damage due to plumbing leaks and frozen pipes is a leading cause of property claims for ministries. The damage is often made worse because ministry buildings are typically not in use every day. Last year, nearly 1,000 Brotherhood Mutual Insurance Company customers were impacted. To help protect ministries from experiencing costly water damage and disruptions, Brotherhood Mutual® recommends FloLogic, a comprehensive solution that can detect even the smallest water leak and automatically shut off the water to prevent flooding. 

Tags: flologic, leaks, water damage, prevention