May 24, 2017
Has your church or school ever been asked to loan one of your vans or buses to another?
Before you decide to loan your ministry vehicles to another organization, seriously consider the potential risks associated with such a decision. You would do better to practice your generosity by assisting financially in leasing or chartering a vehicle from a rental agency, rather than risking your own vehicle.
If you do choose to allow another party to use your vehicle, here are some important things to consider:
Your ministry will be held fully liable for damage caused by improper operation of your vehicle by others.
Your policy covers you and your organization, but it may not adequately cover others outside your organization.
If the user damages your vehicle, he most likely will expect you to turn in the damages under your insurance rather than pay the damages out of his own pocket.
When you loan or lease your vehicle, you lose all supervisory control over who may drive it and how it’s operated and cared for.
Specify in writing who will be responsible for damage to your vehicle. If the other party agrees to be responsible, it will have to purchase special physical damage protection. Verify coverage on a certificate of insurance that the other party gives to you.
Outline your requirements to the user regarding who may operate your vehicle and under what conditions. Make sure that the driver has a valid license, a good driving record, and experience operating your type of vehicle.
Make sure any vehicle you loan is in top mechanical condition.
Before you lease your vehicle for hire, consult your attorney to verify that you comply with state and interstate laws governing vehicles operated for transporting passengers for hire. Stricter standards apply when you lease than when you loan.
Make sure your vehicle will be used for ministry activities. Your coverage may be voided or limited it’s used for some other activity or commercial purpose.
Some significant strides were made last week in the passing of the “Coronavirus Aid, Relief, and Economic Security Act” or the “CARES Act” which has specific relief outlays for 501(c)3 organizations. We are hopeful that this Act will provide much needed relief for the churches, schools, day cares, camps and other related ministries we serve.
As concern over the dangers associated with the spread of a new coronavirus, COVID-19, spreads, our agency and Brotherhood Mutual want to keep you informed and provide best practices for managing the spread of this and similar illnesses at your ministry.
The first Sunday in February is a big day for sports fans. In fact, many Americans view Super Bowl Sunday as a national holiday. Friends and families will gather this year to watch the big game, enjoy delicious snacks, and of course, critique the commercials that go along with game day.
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.
Last month, the IRS announced that its initiating hundreds of church exams to test compliance with the Affordable Care Act (ACA). While many provisions only apply to churches with 50 or more full-time equivalent employees (FTEs), even smaller churches could potentially violate provisions applicable to health benefit plans with as few as 2 plan participants.
On October 24 and 25, American Church Group of Arizona, in coordination with Scottsdale Bible Church, will be sponsoring a two-day Southwest Church Safety and Security Summit.
July 4th is synonymous with food, fun, and fireworks. If your church is planning an event this Independence Day, remember to keep a focus on safety, so that everyone can have fun.
National Insurance Awareness Day falls on June 28 this year to remind people everywhere that insurance is vital to their companies and ministries.
More than 700 confirmed cases of measles have been reported in the United States so far this year, making this outbreak the worst in decades.
Do you use commercial vehicles that transport more than 15 passengers or carry cargo from one state to another as part of your ministry? If so, you are required to register with the Federal Motor Carrier Safety Administration (FMCSA) and obtain a USDOT number.
The National Safety Council has designated June as National Safety Month, so we want to make sure your ministry is doing everything it can to protect its people, property, and programs. Each week in June, we’ll tackle a different topic. Up this week: Emergency Preparedness.
There’s a new scam in town, and ministries and other organizations collecting donations are the primary target. If your ministry collects tithes or donations, you could be targeted by scammers practicing donation overpayment fraud.
Beloved evangelist Billy Graham was called to his heavenly home on Wednesday, February 21, 2018, at the age of 99.
For the first time in its 13 years of influenza monitoring, the U.S. Centers for Disease Control and Prevention is reporting that every state in the continental U.S. is seeing widespread flu activity. Get tips on how to keep your congregation healthy this flu season.
Snow skiing. Camping. Whitewater rafting. A youth group trip can give students an exciting diversion from their weekly routines, as well as an opportunity to strengthen healthy friendships. Off-site activities may challenge your students to step outside of their comfort zones a bit, but this can bring about a positive result.
If you are in the process of planning a mission trip for your church group, make sure to think carefully about insurance, safety, and security as you hammer out the details. Extra preparation could minimize headaches when your group arrives on the mission field.
Has your church or school ever been asked to loan one of your vans or buses to another? Before you decide to loan your ministry vehicles to another organization, seriously consider the potential risks associated with such a decision.
Completing a personal property inventory of your church or ministry could be one of the wisest activities you can pursue. If disaster strikes and you file an insurance claim, you may need an inventory highlighting damaged items.
Have you thought through potential dangers that may confront your ministry? Taking steps to consider and address these risks provides important protection from injuries, lawsuits, fires, and dozens of other hazards that may affect your ministry, especially your employees and those you serve.
Small businesses—including churches and related ministries—can once again pay premiums for their employees’ health insurance. Previously known as an Employer Payment Plan (EPP) or Health Reimbursement Account (HRA), these arrangements violated the Affordable Care Act (ACA). However, due to a recently passed law, ministries that are not part of a group health plan now have another option to help employees with health care costs.