How to Report a Claim

What would you do if a windstorm damaged the roof of your church or a child tripped over an unsecured cord and injured his elbow? Do you know how to report a claim?

Notify your agent, and police, if necessary

Notify your insurance agent as soon as possible and provide a detailed description of what occurred, including information about the extent of damages. Then, take immediate steps to make reasonable, necessary repairs to protect your property from further damage.

Besides your agent, contact law enforcement in cases such as theft, burglary, vandalism, suspected arson, and other incidents that violate the law or usually require police involvement.

Property claims may require help from an adjuster

Insurers often require two repair estimates when there’s damage to your building. For damage to personal property, you’ll need to submit a complete list of damaged items. Your adjuster will verify the value of the damaged items, so provide as much information about the damaged property as possible.

For extensive losses, you may need a claim adjuster to establish the full extent of your damages and to give you guidance to settle your claim. Your cooperation will enable claims personnel to establish the extent of damages quickly and equitably.

Liability claim settlements are based on negligence

Liability losses involve injury to someone while they are on your grounds or involved in your sponsored activities. You also can be held liable for damage to property that others own and you have borrowed from them.

When an accident occurs, provide appropriate medical care to the injured person immediately, then notify your agent. Just because someone is injured on your premises or at one of your sponsored activities does not mean you are liable for the damages.

Without acknowledging responsibility, provide your insurance company’s name, address, and phone number if an injured person asks. Avoid making statements like, “We’ll take care of everything.” Instead, say, “We’ll report this injury to our insurance company, and they will be in touch with you.”

April 13, 2020
Beware of COVID-19 Cyber Scams
Beware of COVID-19 Cyber Scams

Ministries are creatively scrambling to continue their operations and safely engage their congregations with an array of online technologies during the coronavirus pandemic. Unfortunately, hackers are ready to take advantage of the confusion with scams designed to steal valuable data or siphon funds from your ministry.

Tags: cyber security, digital, protect, risk
March 30, 2020
CARES Act: Churches Need to Apply Now
UPDATED: CARES Act: Churches Need to Apply Now

Learn about the CARES Act and two loans for which ministries may be eligible, since Congress authorized additional funding April 23. 

March 6, 2020
Coronavirus and Your Ministry: Tips for Prevention
Coronavirus and Your Ministry: Tips for Prevention

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.

January 29, 2020
Hosting a Game Day Bash? Brush Up on Copyright Basics
Hosting a Game Day Bash? Brush Up on Copyright Basics

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.

Are You Covered If You're Injured Overseas?
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.

Tags: missions, insurance
October 16, 2019
Stolen Church Trailer Leads to New Life in Christ
Stolen Church Trailer Leads to New Life in Christ
IRS Announces More Church Audits Regarding ACA Compliance
IRS Announces More Church Audits Regarding ACA Compliance

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.

Tags: ACA, IRS
July 3, 2019
Celebrate Safely This Independence Day
Celebrate Safely This Independence Day

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.

Tags: firework safety
June 28, 2019
Insurance is one of those things we forget about until we need it
Insurance is one of those things we forget about until we need it

National Insurance Awareness Day falls on June 28 this year to remind people everywhere that insurance is vital to their companies and ministries.

Tags: cyber security, digital, protect, risk
June 24, 2019
June 23-29 is Lightning Safety Awareness Week
June 23-29 is Lightning Safety Awareness Week

Summertime across the country means barbecues, carnivals, sporting events, boating, hitting the beach and many other recreational activities. In short, summertime means a lot more people are spending time in the great outdoors. But summer is also the peak season for one of the nation's deadliest weather phenomena--lightning.

Tags: cyber security, digital, protect, risk
May 8, 2019
Protect Your People & Property During Hailstorms
Protect Your People & Property During Hailstorms

According to the National Oceanic Atmospheric Administration (NOAA), hail causes about $1 billion in damage to crops and property each year. Prepare your ministry and people for hail this season.

Tags: protect, hail, damages, property, weather emergency
April 9, 2019
Vehicle Registration Guidelines for Ministries
Vehicle Registration Guidelines for Ministries

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.

Tags: vehicle safety, liability, auto insurance
March 25, 2019
March 25-29 is Severe Weather Preparedness Week in Nebraska
March 25-29 is Severe Weather Preparedness Week in Nebraska

As winter turns to spring, we’re also in for a turn in weather. Lightning, strong winds, flash flooding, hail, or tornadoes could quickly strike your ministry. The National Weather Service has designated March 25-29, 2019, as Severe Weather Preparedness Week in Nebraska.

Tags: protect, weather emergency, safety, storms
September 21, 2018
Measles Reported in 21 States
Measles Reported in 21 States

The Centers for Disease Control says 107 cases of measles have been reported in 21 states since January 1.

Tags: cyber security, digital, protect, risk
April 18, 2018
Collect Online Donations? This New Scam Targets You
Collect Online Donations? This New Scam Targets You

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.

Tags: cyber security, finance, fraud, donations
February 21, 2018
Remembering Billy Graham
Remembering Billy Graham

Beloved evangelist Billy Graham was called to his heavenly home on Wednesday, February 21, 2018, at the age of 99.

Tags: Billy Graham
February 9, 2018
Flu Is Widespread: Protect Your Congregation
Flu Is Widespread: Protect Your Congregation

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.

Tags: protect, health safety, risk, health, flu
June 19, 2017
Off-Site Youth Activities
Off-Site Youth Activities

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.

Tags: youth, insurance, safety
June 7, 2017
Insurance Protection Should Accompany Every Mission Trip
Insurance Protection Should Accompany Every Mission Trip

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.

Tags: mission insurance, foreign travel, liability, coverage
May 24, 2017
Think Before You Loan Your Ministry's Vehicles
Think Before You Loan Your Ministry's Vehicles

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.

Tags: auto insurance, loaning vehicles