Church Property Valuation 101: ACV vs RCV When it comes to insurance for ministries, the choice between Actual Cash Value (ACV) and Replacement Cost Value (RCV) can significantly impact coverage and financial outcomes. Therefore, it’s essential to understand the nuances between these two property coverage valuation methods. Let’s dive into the differences between ACV and RCV to help your ministry make the most informed decision when securing coverage. What is ACV? Actual Cash Value considers the current replacement cost of an asset minus its depreciation. In the context of ministry assets, if a church building suffers damage, the insurance payout would be based on its original cost minus the wear and tear experienced over time. Pros of ACV: Lower Premiums but Higher Replacement Cost:  ACV policies lower premiums. The downside is that your ministry will have to pay more for older items it intends to replace. For example, if you install a new roof, you might consider ACV and set aside an amount equal to the depreciation each year. That way, even if your roof doesn’t suffer damage, you will have the funds to replace it set aside. This is especially true if you keep the funds in an interest-bearing account with your UM foundation. Simplified Claims Process:  The calculation of ACV simplifies the claims process for both the insured and the insurance provider.  The cost is what you paid for the asset minus the applicable depreciation. What is RCV? Replacement Cost, on the other hand, represents the current cost to reconstruct the building with like kind and cost materials. Unlike ACV, it does not consider depreciation and solely reflects the cost to replace the damaged or destroyed property with like kind and quality of materials. RCV should also not be confused with the market value of your property, as the market value is what your property could sell for and be greater  or less than the replacement cost of your building. Pros of RCV: Full Replacement Cost:  RCV policies offer coverage without factoring in depreciation, ensuring that the insured can replace or repair the damaged property at its current market value. Greater Protection:  Ministries opting for RCV policies enjoy higher coverage limits, providing greater protection in the event of a loss. Accurate Representation:  For ministries with newer properties or equipment, RCV may provide a more accurate reflection of the true worth of their assets. For personalized guidance on choosing the right valuation method and crafting an insurance policy tailored to your ministry's requirements, reach out to your trusted denominational insurance provider, United Methodist Insurance! We’re ready to assist you in navigating the complexities of insurance to adequately protect your ministry. This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states. The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property.

Renting with Confidence: UMI’s Church Property Precautions Renting church property to third parties can be a valuable source of income for churches, and an excellent way to foster community engagement; however, it can come with several challenges and risks. Whether you’re hosting community events, support groups, or local organizations, you must implement precautions to protect both your property and congregation. Here are our top four tips to safeguard your ministry: 1. Insurance Coverage and Liability: Before entering into any rental agreement, your ministry should review its coverage to ensure that your liability insurance adequately protects against potential risks associated with third-party use. United Methodist Insurance recommends that churches require proof of liability insurance from renters, covering potential property damage, personal injury, and other liabilities. Be sure to also add your church as an additional insured to the third party’s liability insurance. 2. Legal Agreements and Contracts: To establish clear expectations and responsibilities, ministries should draft detailed and legally sound rental agreements. Key components to include in contracts are details of the rental terms, liability clauses, insurance requirements, and guidelines for property usage. A well-crafted contract can serve as a valuable tool in preventing disputes and protecting the interests of your church. 3. Comprehensive Background Checks: Before allowing third parties access to church property, it is crucial to conduct thorough background checks. UMI recommends verifying the reputation and reliability of potential renters by obtaining references from previous landlords or organizations. Your ministry should also request information about the nature of the event or activities the third party intends to conduct on the premises. This step helps ensure that the church aligns with the values and goals of the renting entity. 4. Eliminate Hazards: Make sure that there are no slip, trip, or fall hazards. Exits should be clearly marked so that users know the evacuation routes in case of emergency. Additionally, familiarize the third party with any other emergency plans you may have e.g. active shooter.   Don't leave the success and safety of your ministry to chance. Reach out to United Methodist Insurance today for personalized support and proactive solutions. This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states. The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property.

Your ministry's board plays a crucial role in its success, and ensuring its protection is paramount. What protection measures do you have in place? UMIP understands the unique challenges faced by ministries. Here are our four key insights to effectively safeguard your board: 1. Understanding Financial Crime: Financial crimes, such as embezzlement and fraud, pose a threat to any ministry. Board members need to be vigilant and implement preventive measures. Thorough background checks, regular internal/external audits, and secure financial processes can mitigate the risk of financial misconduct. 2. Implementing Financial Controls: Establish strong financial controls, including segregating duties to prevent unauthorized actions, regular reconciliations, budgetary oversight, and proper authorization processes. Read more on the importance of financial controls to prevent and detect financial irregularities here . 3. Nonprofit Insurance and Management Liability: Discover the superhero cape your ministry needs—nonprofit insurance! These insurance options cover legal fees and financial losses, giving board members confidence in their decision-making. 4. Exploring Directors and Officers (D&O) Liability Insurance: Shield board members from personal financial losses with D&O liability insurance. This type of insurance becomes crucial when board members face legal challenges related to decisions made on behalf of the ministry. Securing D&O insurance can also attract and retain qualified individuals for board positions. Take a proactive step in protecting your ministry. Get a quote  from us now and ensure your board is covered like never before! Find additional information from our lead carriers , Church Mutual, GuideOne, AmTrust Financial, and The Hartford for materials below that were used in the creation of this resource. https://blog.churchmutual.com/protect-yourself-from-financial-crime https://www.guideone.com/financial-controls https://amtrustfinancial.com/blog/insurance-products/nonprofit-insurance-management-liability https://amtrustfinancial.com/blog/agents/what-is-directors-and-officers-insurance https://www.thehartford.com/management-liability-insurance/d-o-liability-insurance/explained This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states. The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property.

As extreme weather sweeps across the country, the threat of frozen pipes and water damage becomes a pressing concern for thousands of churches. UMIP is committed to helping you navigate the challenges posed by harsh winter conditions. Frozen pipes are a common occurrence in cold climates and can lead to significant water damage and financial loss. When water freezes inside pipes, it expands, putting pressure on the pipe walls. This pressure can cause pipes to burst, resulting in extensive damage to your church building, furnishings, and important documents. Prevention Tips 1. Insulation is Key:  Ensure that all exposed pipes are adequately insulated, especially in areas where temperatures may drop significantly, like basements, crawl spaces, and attics. 2. Maintain Heating Systems: Regularly check and maintain your church's heating system to prevent freezing in susceptible areas. 3. Seal Cracks and Openings:  Identify and seal gaps or cracks in walls, windows, and doors. Cold air drafts can contribute to freezing temperatures inside the building. 4. Allow Faucets to Drip:  During extremely cold nights, allow faucets to drip slowly. This can relieve pressure within the pipes and reduce the risk of freezing. 5. Disconnect and Drain Outdoor Hoses:  Before winter sets in, disconnect and drain water from outdoor hoses. Store them in a sheltered area to prevent damage. Emergency Preparedness 1. Know the Location of Shut-Off Valves: Familiarize your team with the location of water shut-off valves. In case of a burst pipe, a quick response can minimize damage. 2. Create an Emergency Response Plan: Develop a comprehensive emergency response plan that includes steps to be taken in the event of frozen pipes or water damage. Ensure that all staff members are aware of the plan. 3. Regular Inspections: Conduct regular inspections of the church property, especially during winter months. Identify and address potential issues before they escalate. Insurance Coverage Confirm that your insurance policy includes coverage for water damage caused by frozen pipes. Review your policy with your insurance provider to ensure you have adequate protection in place.   Take the first step in safeguarding your church against the potential risks of frozen pipes and water damage! Request a personalized quote now  for peace of mind and financial protection. Find additional information from our lead carriers , Church Mutual, GuideOne, AmTrust Financial, and The Hartford for materials below that were used in the creation of this resource. https://blog.churchmutual.com/protect-yourself-from-financial-crime https://www.guideone.com/financial-controls https://amtrustfinancial.com/blog/insurance-products/nonprofit-insurance-management-liability https://amtrustfinancial.com/blog/agents/what-is-directors-and-officers-insurance https://www.thehartford.com/management-liability-insurance/d-o-liability-insurance/explained This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states. The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property.

Candles serve as an important symbol in worship for United Methodists; however, if mishandled, they can pose serious threats to both the sanctity of the event and the safety of your congregation. With Thanksgiving and Christmas quickly approaching, you must ensure your ministry implements appropriate precautions to ensure a secure and serene environment during services. Artificial Candles to Minimize Risks One of the most effective ways to mitigate fire hazards associated with candles is by opting for artificial alternatives. Battery-powered or flameless candles not only reduce the risk of fires, but also provide an authentic ambiance. While the live burning flame symbolism might be lost, peace of mind for your staff and congregation is invaluable . Strategic Placement of Candles Careful consideration of the location for candle placement within your church is crucial. Avoid high-traffic areas where candles could be easily bumped or toppled, potentially causing damage or injury. By ensuring candles are positioned on heat-resistant platforms and away from combustible materials and liquids (such as Christmas trees, decorations, etc.), you’ll be making a significant stride in protecting your ministry. Continuous Monitoring of Flames Live flames should never be left unattended. Designate staff to oversee candles, ensuring they burn properly and safely, monitor flames consistently, and extinguish them before leaving the area. Additionally, refrain from leaving candles burning for more than 4 hours at a stretch. Preparation for Fire Safety Emergencies Regularly check and maintain your ministry’s fire safety systems and equipment, keeping a record of equipment checks. Educating ministry, event, and worship leaders about potential fire risks, having emergency plans ready for immediate execution, and compiling a list of important contacts will reduce stress and potential damage in the case of a disaster. Don’t forget to place fire extinguishers near any open-flame candles! For additional safety tips, refer to the National Fire Protection Association's website and search for “candle safety.” Collaborating with the local fire department to confirm that your church is adequately equipped for a fire emergency is also recommended. At United Methodist Insurance (UMIP), we understand the unique needs of Methodist churches. Our comprehensive coverage options are tailored to protect your church’s people, property, and finances. Contact us to learn more about our exceptional insurance services. This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states. The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property.

Spring has sprung! With that, many churches are taking advantage of the nicer weather and seeing an increase in events, outdoor activities, and driving/being on-the-go. While some churches strictly use church vehicles if driving is necessary, many churches’ employees and volunteers often drive personal vehicles for church-related activities. In these instances, it is important to remember that securing hired/non-owned auto coverage is recommended because of the additional protection it can provide your ministry. If a church employee or volunteer is driving their personal vehicle for a church-related activity (for example, dropping off a deposit, delivering food, driving someone home from services, etc.) and an accident occurs, your church could be responsible for damages and injuries due to vicarious liability. However, if you have hired/non-owned auto coverage in place, you may benefit from the additional protection it offers for things that are not covered by personal or commercial auto coverage. Even if a church employee or volunteer gets into an accident and has personal auto coverage, that personal coverage may not cover all of the damages and it is likely that your church could also be liable for damages since the employee or volunteer was performing church-related activities. Also, consider that commercial auto coverage should cover employees in the event of an accident while driving church vehicles, but it may not cover church-related accidents that happen in a personal vehicle unless hired/non-owned auto is part of the commercial auto policy. Hired/non-owned auto insurance is purchased in addition to your church’s commercial auto coverage. It is designed to address incidents when accidents occur while an employee or volunteer is driving their personal vehicle for church-related activities. When you are covered by UMIP, we will be there when you need us. Churches have unique needs. As a part of the denomination, we understand the unique needs of United Methodist churches and their operations, which is reflected in our coverage options. Your ministry deserves outstanding insurance and UMIP works for you each day to help protect your church’s people, property, and finances. Let's talk! Contact us at 484-654-3380 or at UMI@sovinsurance.com . Or, click here to request a quote online . This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states. The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property.

Are personal items covered in the parsonage? Church parsonages provide necessary housing for church employees and pastors as they serve their congregation.  However, since a parsonage serves both professional and personal purposes, it is important to understand how insurance comes into play to offer potential protection.  ​ All United Methodist churches are required to maintain appropriate coverage for all property as outlined in the  Book of Discipline . It is important to remember, however, that only certain personal items may be covered under a standard commercial church property policy. With regards to insurance for parsonages, the definition of personal property needs to be reviewed.  ​ Items that are business personal property are generally covered under a commercial policy. For example, if damage occurs to desks, computers, televisions, or phones used for business purposes in the parsonage, it would likely fall under the business personal property limit. Additionally, if damage occurs to the personal property of others while in the care, custody and control of the insured (church employee), those items would typically be covered.     ​ Items that are considered to be true personal property of either a church employee/resident of the parsonage or visitors to the parsonage are not generally covered under a commercial policy. Examples may include personal coats, car keys, phones, etc. These items may be covered under a homeowner’s or renter’s policy. For this reason, it is extremely important that a church employee or pastor also considers homeowner’s or renter’s insurance to help protect their personal property and provide coverage for personal liability that may arise from use of the parsonage. ​ Ask the Expert Featured Question: What about pets in the parsonage?  ​ Recently, a question was submitted to Ask the Expert on whether or not pets that live in the parsonage with a church employee or pastor are covered by an insurance policy.  In this case, pets are generally covered under regular liability coverage for the parsonage as provided through the church insurance policy and no additional coverages are required to be added.  As an example, if a dog were to bite someone in the parsonage, it would typically be handled in the same manner as any other liability claim.  However, if a pet does have a history of issues, it is possible that there may be exclusions to liability coverage.  In this case, it is important that the insured speak with their insurance agent. Speaking with your agent on pet coverage concerns like this or others is a best practice for the insured.    One important item to consider with regards to pets in parsonages is that there may be requirements, completely unrelated to insurance, set forth by annual conferences or individual churches that could apply.   Check with your church and conference leadership for further information. ​ Congratulations to Darlene from North East, MD for this month's Ask the Expert Question! Darlene, check your mailbox for a surprise from UMIP!  Questions about insurance for your parsonage?   ​  When you are covered by UMIP, we will be there when you need us. Churches have unique needs. As a part of the denomination, we understand the unique needs of United Methodist churches and their operations, which is reflected in our coverage options. Your ministry deserves outstanding insurance and UMIP works for you each day to help protect your church’s people, property, and finances. Let's talk! Contact us at 484-654-3380 or at UMI@sovinsurance.com . Or, click here to request a quote online . ​ Submit a question to Ask The Expert for the chance to win a prize! Submit a question for our Ask the Expert column at  asktheexpert@umins.org  for the chance to win a prize! If we chose your question to be featured in an upcoming article in the Church Protection Connection, we will send you a free copy of  The Secret to Cybersecurity  by Scott Augenbaum, Retired FBI Agent, Cyber Division. The book provides important tips and steps you can take to help prevent cybercrime. This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states. The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property. ​

What are some considerations for screening volunteer drivers? When using volunteer drivers within your ministry, it’s important to screen them to make sure drivers are qualified to help reduce the risk of an accident. Below, we’ve compiled a list of things to keep in mind when using volunteer drivers. Have volunteers provide proof of a valid driver’s license This one may be self-explanatory but be sure that all drivers provide proof of a driver’s license rather than taking them at their word. It’s important for protecting your ministry to have documented proof. Check to ensure that their vehicle registration is current If a driver is using their personal vehicle rather than a ministry vehicle, have them provide proof of current vehicle registration as well. This helps ensure that the vehicle is legal to drive on the road and helps reduce traffic citations. Conduct a formal review of their motor vehicle driving history Sitting down to have a formal review of someone’s driving history allows you to identify any red flags that may disqualify someone from being a volunteer driver. Establish a driver’s agreement for all drivers to sign A driver’s agreement helps ensure that guidelines are established, and volunteers understand the conduct that is expected of them. You can also outline what driving infractions immediately disqualify someone from being a volunteer, what to do during an accident, and a pledge to follow all laws and regulations. Finally, it is important to remember that it is always a good idea to have hired/non-owned auto coverage in place. This can help ensure your church is appropriately protected. When you are covered by UMIP, we will be there when you need us. Churches have unique needs. As a part of the denomination, we understand the unique needs of United Methodist churches and their operations, which is reflected in our coverage options. Your ministry deserves outstanding insurance and UMIP works for you each day to help protect your church’s people, property, and finances. Let's talk! Contact us at 484-654-3380 or at UMI@sovinsurance.com . Or, click here to request a quote online . This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states. The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property.

10 Areas You Should Check at Your Church Before Winter Starts ​ Summer fun has come to a close! It’s time for light jackets and flannels. Your church should be preparing for the fall months if you have not already done so. While the weather is still nice, there are some things to consider when you are maintaining and repairing your church facilities: 1. Walk the Property Take a walk around and through your facilities and take notes of areas of concern. This assessment provides you with a general idea of repairs needed to the church facilities. 2. Landscape Completing seasonal tasks such as cutting grass, trimming hedges, raking leaves, etc., will help ensure your church is pleasing to the eyes of your members and the community. Where might water collect to form ice? Be especially mindful of areas used as walkways to prevent slip-and-falls. 3. Facilities Accessibility Ensuring your parking area is clean, well-labeled, and properly lit will improve the overall appearance of the church. Also taking time to fix steps, railings, and concrete cracks on walkways or ramps tells your members and visitors that their safety is a top priority. 4. Roofing and Gutter Either from a ladder or from the ground you should examine the roof of your facilities. Gutters should be cleared of debris prior to and after the leaves fall. Be sure to take proper safety precautions when working on a ladder. 5. Windows Check windows for cracks, separation, weather stripping, drafts, and proper latching. Take time to clean the interior and exterior windows of the church. Check with your local energy provider about possible window replacement programs to provide your church with energy efficient windows. 6. Equipment Check Make a plan to examine and perform necessary maintenance on all of your seasonal equipment. Complete repairs where necessary and properly store summer and spring equipment. 7. Winter Equipment As you put away mild weather items, take out your cold weather supplies, like doormats, shovels, snow salt, heaters, rakes, etc. Make these items readily available for use. ​ 8. Fire Safety and Prevention Arrange to service or replace fire extinguishers. Your local fire department may be able to help you with this process. Also be sure to check the batteries in all the smoke detectors throughout the church. Replace dying batteries and wipe away dust and debris. 9. Plumbing and Insulation Check faucets, drains, plumbing and the surrounding insulation for leaks and corrosion. Perform general maintenance and repairs where necessary. 10. Lighting Take a stroll around the property at dusk. Take note of what time lights come on and ensure that all lights are functioning properly. If streetlights are out be sure to contact your local government agency to have them fixed or replaced. Caring for your facilities and conducting proper maintenance and repair is a great example of Christian discipleship and stewardship of the gifts and resources God has provided us with. Take the lead and start this project for your church today. Send us photos using the hashtag #fallchurchchecklist and #uminsure for a chance to be featured on our social media. This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states. The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property. ​

You’ve planned your big trip – maybe a long-awaited personal vacation or a detailed mission trip. You’ve got flights, lodging, passports … but what about travel protection? Travel protection can cover many aspects of your trip – from baggage delays to sickness. Check out this handy guide to understanding Travel Protection, including: What is Travel Protection? How Does It Work? How to Get a Quote? Available Travel Coverages. The United Methodist Insurance Program has partnered with Travel Insured International to provide both group and individual travel protection. Visit www.uminsure.org for a travel protection quote today! DOWNLOAD THE TRAVEL PROTECTION GUIDE This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states. The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property.

Minimum insurance requirements for United Methodist churches were developed and implemented to provide a schedule of the recommended coverages and limits that a church should carry to help ensure that it is adequately insured. Some of the important questions surrounding these requirements include: · Where did these requirements come from? · Why are they important? · Are there any actions my church needs to take in relation to these requirements? It can be helpful to examine these questions and other details surrounding the requirements and church insurance in general. Origin of Requirements During the 2016 General Conference in Portland, Oregon, Petition 60158 was adopted. The Petition amended ¶ 2533.2 in The Book of Discipline (2012) and altered the responsibilities of the local churches’ boards of trustees as they relate to the annual review and reporting of each church’s insurance coverage. It states: The board of trustees shall annually compare the existence and adequacy of the church’s insurance coverages to an insurance schedule annually published by the General Council on Finance and Administration (GCFA). The purpose of this review is to ensure that the church, its properties, and its personnel are properly protected against risks. The board shall include in its report to the charge conference (¶ 2550.7) the results of its review and recommendations needed to timely bring the church into compliance with the published schedule. Determination of Requirements ​ The minimum requirements were developed by GCFA in 2016. These were determined based on the exposures faced by individual churches, industry best practices, the professional assessments by United Methodist Insurance Program (UMIP) and its partners’ experts, and claims trends. The goal of establishing these requirements is to help ensure that churches maintain coverage that offers appropriate protection in the event of a loss. For example, claims can stem from trustee liability, pastoral counseling, or sexual misconduct. By meeting the minimum requirements, a church can potentially avoid some of the financial consequences associated with covered claims. ​ Minimum requirements can change based on emerging risks, new coverage options, the careful consideration of the advice of experts, the needs of individual churches, and other legal and market factors. In May of 2019, the standards were adjusted to consider the coverage needed by smaller churches for sexual misconduct coverage, employment practices liability, and other coverage needs. Other changes are under consideration and will be thoughtfully and prayerfully considered. They will be presented in turn to the boards of UMIP and GCFA for review, approval, and adoption. ​ Reach of Minimum Requirements It is important to remember that the minimum requirements as currently discussed apply specifically to church property and casualty package policies. There may be instances where churches should consider stand-alone coverage (such as employee benefits liability, employment practices liability, and crime). Speak to your insurance agent to learn more about securing appropriate stand-alone coverage for your church. ​ Steps Churches Should Take To help ensure that your church is appropriately protected, it is recommended that you provide your insurance agent with a breakdown of the minimum requirements as they secure your coverage. If you are currently unsure if your church meets the minimum requirements, speak to your agent. One additional item to remember when securing your coverage is that while it is important for your coverage to meet the minimum requirements, it is also important that your insurance reflects your church’s unique needs and financial resources. Your agent should focus on identifying coverage that is appropriate but does not go beyond what is necessary from a risk and financial perspective. Click Here to access the minimum insurance requirements. ​ Questions about Insurance or Risk Management? We are here for you. Email  asktheexpert@umins.org and your question might be featured in an upcoming article in the Church Protection Connection. ​ This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states. The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. 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May is Water Safety Month, so it’s important to remember risks associated with being around water. If your church has a pool or pond nearby, or hosts events at the beach or waterparks, we have some tips on how to help reduce the risk your visitors may face. Never let people swim alone Having supervision while around water can be the difference between life or death. Never let anyone swim alone and never let children be alone while around water. Having a lifeguard on duty anytime you’re in the water is a great way to help reduce the risk of drowning. Maintain the necessary safety aids In addition to making sure people swim with supervision, be sure to have the necessary supplies on hand in case of an emergency. Keep a first aid kit, life preservers, and a phone nearby anytime someone is swimming to help provide the necessary aid in the event of an accident. Don’t swim during storms Severe weather presents all sorts of risks to your ministry and people, but those risks are increased while around water. Lightning, rough waves, and decreased visibility all increase the dangers of swimming. Be sure to only schedule events and allow access to swimming areas when the weather allows it. Prevent unauthorized access to pools Enclosing pools with fences, gates, or buildings is a great way of keeping unsupervised and unauthorized people from gaining access. You could be liable in the event someone comes onto your property and falls into the water or drowns. Taking reasonable steps to limit access to bodies of water can help keep people safe and reduce your liability at the same time. When you are covered by UMIP, we will be there when you need us. Churches have unique needs. As a part of the denomination, we understand the unique needs of United Methodist churches and their operations, which is reflected in our coverage options. Your ministry deserves outstanding insurance and UMIP works for you each day to help protect your church’s people, property, and finances. Let's talk! Contact us at 484-654-3380 or at UMI@sovinsurance.com . Or, click here to request a quote online . This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states. The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property.