Protect Your Board Members

Serving as a board member or officer often inspires a special sense of responsibility for many who serve in such a role at their church or related ministries. That responsibility, however, also carries with it certain financial risks connected to the outcome of board actions. For example, a board member or ministry officer could face personal liability for a variety of damage claims, some of which include:

  • Failing to maintain adequate financial records
  • Developing and applying membership standards that favor one group or individual over another
  • Exceeding the authority that the organization’s charter or bylaws grant to the board
  • Using budgeted or donated money in a manner different from the originally designated purpose
  • Failing to preserve the church or ministry’s tax-exempt status

In most cases, standard general liability insurance policies don’t cover claims against directors or officers resulting from failure to perform their duties. Churches and ministries must purchase separate liability coverage to protect ministry leaders from financial damage claims.

Why Purchase D & O Insurance Coverage?

Although many states have enacted legislation providing some protection for directors and officers of not-for-profit organizations, your church or related ministry should have D & O insurance protection for several reasons:

  • D & O insurance provides defense funds to refute a claim or to prove immunity under the state law.
  • Although your state may have legislation protecting not-for-profit directors and officers from lawsuits, a covered claim may fall outside the protection of the state statute.
  • D & O coverage usually includes the organization as an insured; state immunity statutes often don’t.
  • If state laws don’t protect your ministry and its board, and someone brings a successful suit against you, D & O insurance pays covered financial damage claims that directors and officers are legally responsible to pay.

Check with your insurance agent to learn more about how this valuable coverage can protect your ministry and its leaders.

January 24, 2023
Wind and Hail – Deductible Buyback
Wind and Hail – Deductible Buyback
Tags: insurance, coverage, ministry
January 24, 2023
Common Questions About Our Agency
Common Questions About Our Agency
Tags: insurance, coverage, ministry
January 24, 2023
Coming to your area in 2023
Coming to your area in 2023
Tags: insurance, coverage, ministry
January 24, 2023
Kingdom Advancing Grant
Kingdom Advancing Grant
Tags: insurance, coverage, ministry
January 24, 2023
ACG Retreat in Kansas City
ACG Retreat in Kansas City
Tags: insurance, coverage, ministry
January 9, 2023
Better Achieve Your Mission in 2023
Better Achieve Your Mission in 2023
Tags: insurance, coverage, ministry
November 18, 2022
Our Team is Growing, Again!
November 10, 2022
We Want To Hear From You!
We Want To Hear From You!

There are a lot of hats worn in any growing ministry – and we want to serve every one of them. 

Tags: insurance
November 10, 2022
Evaluate Your Ministry's Fire Safety Plan
Evaluate Your Ministry's Fire Safety Plan

With the holiday season right around the corner, it’s wise for ministries to evaluate their fire safety plan. Whether your ministry is hosting a holiday party, prepping treats for charity, or running a community kitchen, make sure you’re well-prepared with these tips.

Tags: insurance, property, volunteer safety, fire safety
November 10, 2022
Holiday Season Safety & Security: 3 Things to Plan Before Christmas
Holiday Season Safety & Security: 3 Things to Plan Before Christmas

The holidays present unique opportunities and challenges for churches that aren’t typical during other times of the year. A lot of the ministries that I work with are seeing steady increases in attendance and are praying for a significant jump in Christmas service participation this year. 

Tags: insurance
October 26, 2022
October 2022 Blog: What is a 403(B)(9) Retirement Plan?
October 2022 Blog: What is a 403(B)(9) Retirement Plan?

In this article, Brad Brown from Plan A Wealth Management gives a wonderful insight into why ministries might consider choosing a 403(B)(9) retirement plan.  

Tags: insurance, property, taxes, retirement, retirement plan
September 21, 2022
Inflation's Major Impact on Ministries
Inflation's Major Impact on Ministries
Tags: insurance, schools, churches, building, property
September 21, 2022
Report Reveals How Students are Feeling About Their Safety at School
Report Reveals How Students are Feeling About Their Safety at School
Tags: insurance, schools, building, property, child safety
September 21, 2022
Top 10 Requested Forms
Top 10 Requested Forms
Tags: insurance, schools, churches, building, property
September 9, 2022
School is Back in Session
School is Back in Session

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.

Tags: christian schools, back to school, volunteer safety, child safety, transportation
August 17, 2022
Uvalde School Shooting Causes Ministries to Question Their Preparedness
Uvalde School Shooting Causes Ministries to Question Their Preparedness

If there is one thing I have learned over the last decade while working private security and as a sworn peace officer, the more critical the incident, the more likely change will come out of it. Much like a pendulum, an incident occurs, and everyone cries for change.

Tags: church payroll, finance, IRS regulations, paying employees, tax code
August 17, 2022
Next Generation LEDs Performance, well beyond expectations
Next Generation LEDs Performance, well beyond expectations

Updating the lighting in your worship center with LED can offer significant energy savings while improving overall lighting performance.

Tags: church payroll, finance, IRS regulations, paying employees, tax code
August 17, 2022
Our Team is Growing!
Our Team is Growing!

We are so excited to welcome the newest member of the American Church Group of Colorado team, Lyndsie Glowinski.

Tags: church payroll, finance, IRS regulations, paying employees, tax code
August 17, 2022
Does Your Ministry Need Cyber Insurance?
Does Your Ministry Need Cyber Insurance?

Churches are increasingly becoming targets for cyber criminals. The most common attack is by sending “phishing” emails where the perpetrator poses as someone familiar to the ministry staff (like a senior pastor, deacon, elder, or someone trustworthy) and requests some sort of response.

Tags: church payroll, finance, IRS regulations, paying employees, tax code
July 15, 2022
Shepherding Ministries in a Time of Change
Shepherding Ministries in a Time of Change

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.

The questions become: when and how can ministries operate within their deeply held religious beliefs when they may conflict with others’ rights?

Tags: ministry, insurance, religious freedom, protection