Church Insurance

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.  ...

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. ...

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 ...

Church Insurance Church Insurance is a kind of insurance for religious organizations that helps in protecting the needs of the congregation that goes to church every worshiping day. It recognizes that your place of worship is not just a place for you to praise God. For that reason, they are going to help you in finding a reliable plan of Church insurance coverage that provides the protection that your church need. Aside from that, they are also going to help you in making all the things right if there are unexpected strikes that will happen to your church. Church Insurance coverage in Chattanooga Tennessee, Hixson Tennessee, Soddy Daisy Tennessee, Tennessee. Georgia & Alabama has several customizable features that provide you. These are the following: -Building Coverage that covers the main building used for worshiping, additional buildings that are use and owned by several religious organizations as well as any kind of auxiliary structures -Comprehensive General Liability wherein church Insurance Church Insurance helps in providing protection to the insured legal liabilities that are mainly caused by property damage, bodily injuries, advertising injury, personal injury and a lot more. -Personal property wherein the church Insurance is necessary to make sure that the properties located in the buildings are on right conditions. -Counseling coverage wherein church Insurance is providing legal obligations for the insured as a form of payment for the damages because of injuries that are being caused by the rendering or as well as on the failure of rendering services for counseling. -Director and Officers wherein church Insurance is providing a wide coverage for the legal obligations that are insured to pay as a form of damages because of the wrongful act in which the endorsement is being applied. -Identity Restoration and Data compromise wherein church insurance coverage are working all together in order to help the business that you have and bring you back to the track right after the occurrence of date breach or if ever the business owner has become a victim of identity theft. It is important for a church to have an insurance because there are several possible instances that we can’t handle. These possible instances include the damages of the church due to the strong bad weather and other possible circumstances that can affect the church structure. That is why it is good for a church to have an insurance in order for it to maintain in good condition. Church Insurance includes liability, property as well as commercial automobile insurance not only to churches but as well as to convents, monasteries, religious organizations and religious shrines, retreat houses, synagogues, temples, camps, schools, denominational offices, senior living facilities and so on. Therefore, in order for your church to stay in good condition for worshiping, it would be great if it will have an insurance. Just like our home, churches also need the proper care because it is the place wherein Christ stays so it is very important to make sure that it is maintained very well. There a lot companies that offers insurance for churches that can help you in the maintenance of your church....