Blog

Church Fire Prevention Church fire prevention should be a year-round effort and there are specific things that you should do at least once every year, without fail. To make your Church fire prevention program the most effective, it needs to be an ongoing effort. For instance, make a quick tour of your buildings interior and exterior.  Your facility can decrease the chances that an arsonist will strike by scheduling time this month to go through each item on this list. Why Churches and Religious Organizations Are Vulnerable to Arson According to the U.S. Fire Administration, arson is the leading cause of fires in the United States, resulting in more than $1 billion in property loss each year. In one recent year, the USFA reported that approximately 30,500 intentional structural fires occurred. Specifically for churches, fires account for significant losses. An average of 1,300 church fires are reported each year, causing $38 million in property loss. Arson comprises 25 percent of church fires. Buildings are often unoccupied. Activity schedules are predictable. Security systems are often lacking. Arsonists, vandals and other criminals may target churches because of their beliefs. Reducing the Risk of Arson To help reduce the risk of arson, consider the following precautionary measures: Building Exterior Properly store a ladder outside the building using a good quality lock and chain that is securely attached to the buildings concrete foundation. Don't have a dumpster that is overflowing and too close to the building. If vandals were to intentionally set fire to the dumpster, there is a high likelihood that it would spread to the building. Illuminate exterior buildings, doors and parking lots from sunset to sunrise. Consider the installation of motion-activated lighting near doors and windows. Keep doors and windows locked when the building is unoccupied. Trim shrubs and tree limbs around windows and doors to eliminate potential hiding places for arsonists and criminals. Ladders should not be stored outside the building at the end of the day. Instead, secure ladders and tools in a locked shed/outbuilding or inside the building. Keep track of and limit the disbursement of building keys. Consider installation of a keyless electronic entry system. Make sure that exterior doors are of solid core (not hollow) construction and are outfitted with quality deadbolt locks and, if hinged on the outside, tamper-proof hinges. Use wire-mesh glass in windows for additional protection from break-ins. Keep the property free from boxes, leaves, trash, wood and other potentially combustible debris. Consider installing video security cameras at entrances and other key areas. Park church vehicles in different locations on the property throughout the week to vary routine. Trash containers should be kept as far away as possible from the building. Building Interior Consider using timers for lights and/or radios during evening hours. Make sure that flammable liquids are stored in a U.L. listed fire cabinet away from any heat sources, such as heating equipment. If possible, install a central station monitored security and fire detection system. Also consider a fire sprinkler suppression system. Make sure that smoke and heat detectors are operational and that fire extinguishers are in place and have been regularly serviced. Restrict access to areas containing valuable or combustible materials by locking interior doors.   Arson Prevention Checklist General Precautions Ask neighbors to alert police if they see anything suspicious on church property. Develop positive relationships with local law enforcement and invite them to patrol the property during the overnight hours. Establish a “Church Watch” program in which members volunteer to drive through the property at various times throughout the week. Checklists can be an effective tool to help prevent a fire in your church. The following checklists will help you determine how well your facility is safeguarded to discourage unauthorized entry and encourage early fire detection. Church Arson and Fire Prevention © 2017 The GuideOne Center for Risk Management, LLC. All rights reserved.  ...

  Thanksgiving is a time to get together not only with family but a time for fellowship in our churches as well. There are many Places of Worship that host a Thanksgiving meal. Food kitchen safety are very important when the church is the host for the Thanksgiving gathering.     Food Kitchen Safety Store & Prepare Thanksgiving Food Safely Refrigerate or freeze perishable food within 2 hours of shopping or preparing; 1 hour when the temperature is above 90 °F. Find separate preparation areas in the work space for raw and cooked food. Never place cooked food back on the same plate or cutting board that held raw food. Wash cutting boards, dishes, utensils, and work surfaces frequently with hot, soapy water. Wash hands with soap and warm water for at least 20 seconds before and after handling food and after using the bathroom, changing diapers, or handling pets. Cook Food to Safe Minimum Internal Temperatures — It's the only way to tell if harmful bacteria are destroyed! Use a food thermometer to check the internal temperature of meat, poultry, casseroles, and other food. Check temperature in several places to be sure food is cooked to a safe minimum internal temperature. Never partially cook food for finishing later because you increase the risk of bacterial growth. Transport Food Safely — Keep hot food HOT. Keep cold food COLD. Keep hot food at or above 140 °F. Wrap well and place in an insulated container. Keep cold food at or below 40 °F. Place in a cooler with a cold source such as ice or frozen gel packs. Need to Reheat? Food must be hot and steamy for serving. Just "warmed up" is not good enough. Use the stove, oven, or microwave to reheat food to 165 °F. Bring sauces, soups, and gravies to a boil. Keep Food Out of the "Danger Zone" (40-140 °F). Keep hot food hot - at or above 140 °F. Place cooked food in chafing dishes, preheated steam tables, warming trays, and/or slow cookers. Keep cold food cold — at or below 40 °F. Place food in containers on ice. When In Doubt, Throw it Out! Discard food left out at room temperature for more than 2 hours; 1 hour when the temperature is above 90 °F. Place leftovers in shallow containers. Refrigerate or freeze immediately. Be Food Safe! Prepare with Care CLEAN. Wash hands, utensils, and surfaces often. SEPARATE. Don't cross-contaminate. COOK. Use a food thermometer. CHILL. Chill food promptly. https://www.fsis.usda.gov/wps/portal/fsis/topics/food-safety-education    ...

Stay Safe at Fall Festival The Fall Festival can be fun but food poisoning, burns, and broken bones are not. That is why it is important to take some steps to protect yourselves and other guests from the unexpected risks during this kind of special outreach events. Therefore, it is important for you to know the safety guide once you joined in Fall Festival. Here are the following guidelines that you must be aware before going to event. Safety Guide in Fall Festival Drink a lot of water When you are at a fall festival and enjoying the events, you must drink a lot of water and take a break.   Keep an eye for your things and family Even though you are out for a long weekend, you can have a safe and better experience in looking out for each other. You must stick together. If there are times that, you and your family are in separate places, set for a designated meeting place. You must also be aware if where is the emergency medical and the festival security tens just in case of the unexpected circumstances. Immediately notify the festival staff if you see anyone that it’s acting inappropriately.   Drive slowly, follow the traffic pattern, and watch for the pedestrians. The fall festival has a thousand people specifically families with their young children. Therefore, you must always remember to follow the traffic pattern and pedestrians so that you can prevent from accident and other unexpected circumstances in the street while you are driving particularly during the fall festival.   Be aware on the caution signs and restricted places. Ensure that the children now the warning signs and know how to stay away from the restricted areas. You must be alert in the areas that are not marked off and an adult must supervise the attractions, including the bounce house when it is in use.   If the wagon does not look safe outside, do not get in. The wagons of Fall Festival are staple but this can lead of accident in inappropriate management. Do not get in wagon if: The lights are dim and completely out If the body of gain is damaged and temporarily fixed with a duct tape The tires are lack, flat, and low. The wagons harnesses and latches are not functional More than the wagon is being pulled at one time When there are many people inside the wagon Securing your safety is the best thing to do while you are enjoying. There are times that unexpected circumstances suddenly occur. Therefore, it is important that you are aware on that safety guide before going to Fall Festival. There are no harm in enjoying and attending events, but for the sake of your safety, you must know and understand that guidelines....

How to Prepare for Hurricane Season         Hurricane season is considered to be a nerve-cracking time for almost everyone. This natural disaster will not just affect those that are in the path but also for those friends and relatives that might worry about those affected people. However, it would offer less damage or none once you prepare hurricane season. Preparedness is important not just in dealing with the physical challenges of hurricane but it is also important to have a plan that might help you safe during the said disaster. There are actually ways on how you could be prepared before the hurricane comes. You could consider some of the tips below in order not to face the said storm unprepared: Checking insurance coverage as for making sure it would reflect the current situation of your home. It might be great if you avail church insurance since this religious insurance would be of great help in protecting the needs of their members. You might as well add flood insurance as well as coverage for additional living expenses once your home is totally damaged by the storm. Aside from considering coverage like of church insurance, doing home inventory might as well be considered. It could save you time as well as make filing a claim a lot easier. Just make sure that you don’t forget anything. You might also document the contents of the home and keep receipts of valuable items as well as consider separate coverage for these. You could also protect your property if you are to consider installing items like hurricane shutters, head and foot bolts and hurricane straps or clips. You should also have safe room that could withstand the flying debris and high winds. It is also part of being prepared if you are to stock emergency supply kit along with basic survival items. You might have supplies of water and also ready to eat and non-perishable foods. Make sure to have adequate supply of them for you might not know how long the hurricane to affect you. As for the purpose of reducing stress it would be great to consider establishing evacuation plan. Be with the entire family and never forget bringing all the important documents needed in certain cases. You must not as well consider silly risks such as running back into your destroyed home or refusing to evacuate once ordered because you are too worried about material possessions. But remember that it is easy to replace things but not people. Those are just among the tips that you might consider in order for you to be considered as safe from hurricane or any natural calamities as well. Being prepared especially being covered by insurance like church insurance could ease at least a bit of stress you might feel due to the damages being provided by the strong storm. Aside from your property and personal belongings, you must as well take care of yourself during hurricane. If you are ready you will not also worry.   https://www.ready.gov/hurricanes  ...

Fire Prevention Simple and Easy Tips You Can Use Patience, determination and hard work of an individual could bring great reward. With hard work, you will be able to buy stuff that you need and those who want to give it to their family. Every time you earn a lot, you are able to buy expensive jewelry, a house, car, appliances and other sort of material stuff you want to. Apart from the material stuff you achieve along with hard work, the most crucial things is that you are able to offer your children their basic needs such as a peaceful home, education and clothing. However, what if an incident occurs and your home is all caught up in flames and all the stuff you have earned are burned into ashes? Wouldn’t you feel all your hard work and efforts are useless and wasted? You are aware that the most unexpected and life threating accidents that normally happen in our life is fire accident. Fire is said to be the one of the top accidents, which cause death to lots of people in a year. This occurs unexpectedly and occurs in residential areas. In addition, fire could burn all things inside a home if not acted right away. This scenario could be very discouraging to many homeowners, as they need to begin again from scratch in order to build a new home again. Thus, why let a fire waste all of your memorable and priceless home when you could put in place a fire prevention plan and prevent it from happening? Set up a good fire exit plan You can talk to your family on where, how and what you must do in case a fire occur. It would be better if you have two exits in each room or if this is not the case have at least two main exits in each level of your home.   Install smoke alarms You could buy smoke alarm and install it to each level of your home. This tool is very helpful to prevent fire from spreading through detecting smoke ahead of time. You can consider putting fire sprinklers as well in your ceiling.   Avoid utilizing candles If possible, you should stop using candles. It would be better if you buy candleholder, which hold candles in place or make use of flashlights to see your way.   Keep lighters and matches away, do not store gasoline as well If you really don’t need gasoline in your house, it is suggested if you will remove it inside your home. Lighters, matches and other objects, which could start a fire, must be kept away from kids to avoid any accidents.   Buy a fire extinguisher Did you know that fire extinguisher is one of the most important tools you must have in your home? Thus, it would be beneficial if you will take time to buy one for your safety. Fire could easily prevented if you will just follow these essential fire prevention hacks. This could help minimize your worries and could make your family and your home secured and safe....

Church Vandalism Prevention Church Vandalism happens any time. Throwing stones through the stained glasses, graffiti scrawling on playgrounds and buildings and breaking into the buildings to damage the items inside are only few of the known vandals that occur. And even churches are not anymore safe from this assault. Here are some of the suggestions and tips to avoid vandalism and can add to the church insurance from being the victim. Shed some Light Near the PropertyYou can also keep even on the nights the interior lights. It will make an illusion that there is someone occupying the building.   Install an adequate lighting on the exterior part of the church like the parking lot. Burned-out bulbs should be replaced with new ones to. Also place these lights on high locations, so that you can prevent the culprits from attempting to disable them. Secure all the Valuables   As a church insurance, store the expensive equipment like laptops in a room that is securely locked. To hide all the valuables from a view, close the window curtains or the blinds. For your small valuables and cash, you can use a safe. Keep the Church Clean   When there are already graffiti drawings on the church, you must clean them out immediately. A well-maintained and clean area is less attractive for the criminals. You can also trim the trees and long grasses around so that you can reduce possible hiding places. Consider having Surveillance Camera   Putting security cameras add up to the feeling of church insurance. If you have installed and working cameras you can have video recordings to share to the police when there was a crime that happened. By having them, you can catch the culprit faster than not having one. Secure your Church Vehicles   Secure them by having the windows roll and activate door locks. Do not leave them in a plain view. Criminals can only vandal your vehicles if they can access them easily. Secure and lock all the windows and entry doors   Locking all the passages in your building is like the best church vandalism prevention you can do. Make sure that you have deadbolts for all the entry doors and they are used when no one is there to occupy the place. Ask for Community SupportBut also remember that you should never ask them to provide guard services overnight for this can bring them potential harm.   Ask the local police in your community to include the church in their patrol visits. You can also remind the neighborhood and church members to be alert for activities that are quite suspicious. Encourage them to make observations as detailed as possible but never to confront anyone. Advise them to report to the police instead. Install Alarm System   You can first evaluate the benefits in the church insurance of having an installed alarm system that is being monitored through a security company or a central station. These companies can help you in deciding as to which kind of alarm system is more applicable to the church. ...

15 Passenger Van Safety Tips Any organization should consider the need to replace and retire their 15-passenger vans due to some serious security concerns that are related with such forms of vehicles. Here is a list of some safety tips for an organization like churches on how they can remain safe on the road while using a 15 passenger van. 15 Passenger Van Safety Tips Tire pressure – it is imperative to inspect the tires then check the tire pressure prior to using the vehicle. The tires are should be properly inflated while the tread must never be worn down. Incorrectly inflated or excessively worn tires could result to loss of control over the vehicle and it can lead to a rollover. Always remember that the pressure for back and front tires might be different and the pressure is possibly higher when it comes to a 15 passenger van over what is needed for the car tires. Spares – you should avoid using some old spares when the worn tires are needed to be replaced. It is simply because all tires, even those that are not used weaken as time goes by. Using the old spares can just lead to danger. Driver – a 15-passenger van must be operated only by a well-trained and experienced driver who is engaged in operating this kind of vehicle on a regular basis. He should have a valid driving license for the state of residence and in this matter, it is best to have a commercial driving license. Anyone who drives a 15-passenger van needs to undergo additional training and that is simply because these vehicles must be handled in a different way particularly when they are fully loaded. Size – this kind of vehicle is substantially wider and longer than a car and so, it needs more space so you can maneuver it properly. Aside from that, it needs extra reliance on the side-view mirrors when changing lanes. Speed – you must drive at a good and safe speed limit depending on the driving condition. A driver must never drive this vehicle at a speed rate that exceeds the recommended speed limit. It is important to slow down when the road is icy or wet because this kind of vehicle doesn’t respond very well to unforeseen steering maneuvers and it needs more braking time. Seat belts – all the occupants must wear and fasten their seat belts from time to time they travel with a 15-passenger van. The seat belts should be inspected on a regular basis and replacement should be made for any missing piece, for damaged or broken buckles or belts. Any unrestrained occupant of a 15-passenger van who had been involved in a single car accident is around 3 times as possibly to be killed as a restrained passenger. For churches, securing their service vehicle will not be complete if they do not have church van insurance. This type of insurance can be obtained through a dependable church auto insurance company. The internet is the best marketplace to visit when searching for a dependable provider of this kind of car insurance. All you need is to select the insurance policy that provides comprehensive coverage.   http://www.safercar.gov/Vehicle+Shoppers/Passenger+Van+Safety  ...

How to Prepare for a Tornado Season? Each year dangerous floods, storms and tornadoes damage lots of properties and nature. A huge amount of homes face damage due to the storm in the sense they become unsafe or no longer provide shelter. Some are further left out due to the higher cost of repair. Ways to Prepare for a Tornado Seasons • Tornadoes could cause serious destruction in just a matter of seconds. It is essential that your organization is ready to handle a storm or tornado, particularly when there are people in your home or buildings when tornado strikes. • For serious weather condition, it is a smart idea to allocate a security and safety team to develop a response plan for storm and other serious weather condition and communicate and educate any volunteers or staff needed to properly do the response plan. • The plan must contain information on tracking weather reports, communication schemes and allocated safe locations in your home or buildings. • Tornadoes frequently strike fast and with no or little warning-therefore it is essential to be ready for a storm attack at any time. Keep on top of varying weather patterns. Seeing the weather channel on television or listening to radio will allow you track when tornado condition is present. • Have a storm shelter ready at all time and ensure you and your family knows where it is. Ensure your kid where to go in case of a tornado that happens while they are in school, a baby sitters house, at a daycare center, etc. • Assess your tornado plan on a frequent basis and ensure all and sundry is aware of the protocol. Always has a disaster preparedness kit. Put together canned foods, bottled water, first aid kit, flashlight and other important thing that you could take with you into your tornado shelter. You just have to keep these stuffs in a storage container or a duffer bag, so you can easily get them and if you need them. • Protect your property, talk to your home insurance provider and ensure you have the right coverage when your home is harmed by a windstorm or tornado. • The best thing about home insurance coverage is that it will give you pecuniary help when your home or property is damaged seriously. You will get resources for the reconstruction of your home. In case the insurance policy covers the furniture and other belongings inside the house, you will receive a specific amount of money that based on the assessment of the objects. In most particular cases, the underwriters will provide you financial assistance to take another home for rent while your home is being restored. Because of this, you must be well aware of the terms and conditions of the company who is offering financial assistance. You must ready yourself, your family and your property from possible or effects of a tornado. To protect your belongings or your most expensive asset, you must consider getting a home insurance. There are a lot of insurance providers out there that offer low premium. You better check them out! Resources www.ready.gov/tornadoes, https://www.osha.gov/dts/weather/tornado/preparedness.html, http://www.redcross.org/images/MEDIA_CustomProductCatalog/m4340177_Tornado.pdf ...

Homeowners Insurance Homeowners Insurance is also referred to as a hazard insurance. It is type of insurance under the category of property insurance that covers a residence that is privately owned. Also insurance policies combine with variety of protections for personal insurance. It includes the losses that can occur on one’s home as well as the loss of the other personal possessions of the owner of the home and the liability insurance for accidents that can possibly happen at home that is within the policy territory. The homeowner policy is referring to the multiple line of insurance policy. It only means that it includes both the liability coverage as well as the property insurance that have an indivisible premium. It says that a single premium is being paid for all the possible risks that can happen. The cost of homeowners Insurance usually depends on the thing that it can cost in order to replace wherein the additional endorsements ad riders are being attach to the policy. The policy of homeowners Insurance is legally contracted between the carrier of the insurance that is usually the insurance company and the name of the person that is insured. It is a contract of indemnity that puts the insured back to the place he or she was prior to the property loss. Usually, claims that are due to war and floods are being excluded from the homeowner’s Insurance coverage. There are also some insurance, which can be purchase for these kind of possibilities that includes flood. The insurance is being adjust in order to reflect on the cost of the replacement that is usually upon to the application of the inflation factor as well as a context index. The policy that homeowners Insurance companies in Chattanooga Tennessee, Hixson Tennessee, Soddy Daisy Tennessee, Tennessee. Georgia & Alabama provide are usually in a term contract wherein tis effect for a fixed time only and it needs to be renew in order for the service to continue. The payment that the insured person provides is called as the premium. The insured person needs to pay the insurer premium in every term. Most of the insurers are charging a low rate of premium if it shows that it is less likely the home will be destroyed and damaged. The classification of the coverage that homeowners Insurance have includes the following: Under the property coverage, it covered dwelling, other structures, personal property, additional and loss of use living expenses. Under the liability coverage, it includes personal liabilities, causes of loss and claim process. In order for your home to be secure if ever there are unnecessary calamites and situations that can occur, it is very important to make sure that you already purchased homeowners Insurance for your home. Your home is the biggest investment that you have that is why it is very important to make sure that the biggest investment that you have is protected from the natural and manmade destructions. You should get homeowners Insurance for your home now in order to secure the safety and the future of your loved ones....

Non Profit Insurance Nonprofit insurance services are providing an exceptional and unique experience to social service and non-profit organizations of all size and services. The coverage non Profit Insurance provides includes best practice guides, insurance products as well as risk management services that are customized for each organizations that are non-profit as well for each individual needs. Nonprofit insurance is packed with policy programs that are created in order to give wide range of special services for insurance needs for human services, non-profit and social services that are under the sector of the IRS code 501. The feature of nonprofit insurance includes special causes on loss of buildings, loss of income, and loss of content as well as extra expenses. It also includes professional liability, commercial general liability and excess liability with all one carrier. Also, an abuse coverage is available as well as coverage for fund raising events, owned automobile. In addition to that, there is also a non-profit that is provided for several specific risk management services. The fact of getting Nonprofit insurance in Chattanooga Tennessee, Hixson Tennessee, Soddy Daisy Tennessee, Tennessee. Georgia & Alabama is merely based from the notion wherein individuals as well as charitable organizations should become exempted from the legal liability while they are providing selflessly for the betterment of the community. It covers the most basic exposures such as operations and premise. A non-profit organization should be able to determine the potential exposure as well as the loss that it can have and how they will be able to get an appropriate solution for that exposure and one of the best ways to solve that problem is to have a nonprofit insurance. If ever that you don’t have a program for risk management, the things that you need to do is to ask the insurance company, agent brokers as well as the firm for management consulting to help you have one with the help of your nonprofit insurance. The main purpose of risk management programs is to manage possible risks in order to assist you in modifying as well as inn avoiding activities that can expose and the organization that you have. These risks are the possible lawsuits while you are being insured against those kind of risks that the organization that you have should always bear in mind in order to reach the mission, vision goals and objectives that it has. Having a program for risks, management does not disqualify the need of having nonprofit insurance. The most ideal thing that can happen is that, the organization that you have only needs to get a nonprofit insurance that will provide protection against the possible risks that cannot be avoided by having a risk management that is prudent. You need to know that an excellent risk management program under your nonprofit insurance should increase the likelihood of the organization that you are in and the insurers will view it as a good risk. You should also select the best kind of nonprofit insurance coverage that you need the most at a price that is more reasonable and affordable. Check out our Risk Management resources....