faithguard church. your program of protection should include: property liability crime inland marine

FaithGuard Church

Your Program of Protection Should Include:

•Property

•Liability

•Crime

•Inland Marine

Your Program of Protection Should Include:

Equipment Breakdown

•Workers’ Comp

•Umbrella.

•Business Auto

Property Coverage

Basic Form:FireLightningExplosionWindstorm or hailSmokeSprinkler leakage

Property Coverage

Basic Form: Vandalism Riot or civil commotion Aircraft or vehicles Sinkhole collapse Volcanic action

Property Coverage

Broad Form:

Includes all basic form perils, plus: Falling objects Water damage Building collapse Glass breakage Weight of snow, ice or sleet

Property Coverage

Special Form:Includes all Basic and Broad

Form perils, plus any cause of loss NOT specifically excluded

Property Coverage

Special FormExamples:• Kitchen damage due to appliance failure

• Theft of church contents from premises

• Theft, or damage to building from

attempted theft.

• Damage from acid/chemical spills

Property - Extensions

Newly acquired propertyPersonal property of othersValuable papers and recordsProperty off premisesAppurtenant structures

Property - Extensions

Property in the openOutdoor trees, shrubs, plants,

and lawnsSignsIndirect lossFire department service charge

Property - Extensions

Debris removalLock replacementAnti-arson rewardSewer/drain backupOrdinance or lawAutomatic fire suppression recharge

Property - Extensions

Awnings, canopies, fire extinguishers, refrigerated products

Pollutant cleanupChurch fidelity bondVacant staff dwelling

Property - Options

Replacement costNo deduction for depreciation on

covered property lossesAgreed value

No coinsurance penalty at time of loss

Liability Coverage

Includes:Church members, employees, officials, and volunteers acting on behalf of church

World-wide coverageDamage to property of others

Liability Coverage

Includes:Advertising/personal injuryNewly acquired organizationsLegal liabilityClergy and lay counseling coverage

Liability Coverage

Medical payments:Pays ALL reasonable medical expenses

of church, regardless of liabilityCovers members, guests and volunteersPrimary coverage on or off premisesExcess coverage for athletic activitiesLoss of Life

Liability - Optional Coverage

Directors, officers and trusteesHired and non-owned autoSexual misconductEmployee benefitsDay/nursery/student medicalCorporal punishment

Crime

Church theft:Provides blanket coverage including money and securities

Include double money coverage for four days of your choice

Crime

Employee dishonesty Provides coverage for dishonest acts

of officers, ministers and duly appointed or elected officials

Forgery and alteration

Inland Marine

Musical instrumentsFine artData processing equipmentMaintenance equipmentMinster’s business propertySignsScheduled property

Equipment Breakdown

Common exposures:Cast iron heating boilers:

– subject to burning, cracking

Air conditioning systems:– susceptible to burnout

Equipment Breakdown

Common exposuresElectrical wiring, circuit breakers and switches subject to overload

Communication equipment

susceptible to power surges

Special Policies Available

Workers' compensationPays benefits to employees as required by state law

Provides protection for lawsuits brought by employees

Special Policies Available

UmbrellaProvides excess limits of liability when underlying limits are exhausted

Provides primary coverage for many losses not covered by an underlying policy

Special Policies Available

Business autoProvides liability and physical damage coverage for church-owned vehicles

Why Choose GuideOne?

America's leading specialty insurer of churches

50 years of making a differenceRated “A” Excellent by AM BestOne of Ward’s Top 50 Performing

Insurance Companies of over 3000Denominational endorsements

Why Choose GuideOne?

24/7 Claims ServiceLoss control services availableOver 3,000 professionally trained

agents serving their local communities

FaithGuard Church