Download - FaithGuard Church. Your Program of Protection Should Include: Property Liability Crime Inland Marine
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FaithGuard Church
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Your Program of Protection Should Include:
•Property
•Liability
•Crime
•Inland Marine
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Your Program of Protection Should Include:
Equipment Breakdown
•Workers’ Comp
•Umbrella.
•Business Auto
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Property Coverage
Basic Form:FireLightningExplosionWindstorm or hailSmokeSprinkler leakage
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Property Coverage
Basic Form: Vandalism Riot or civil commotion Aircraft or vehicles Sinkhole collapse Volcanic action
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Property Coverage
Broad Form:
Includes all basic form perils, plus: Falling objects Water damage Building collapse Glass breakage Weight of snow, ice or sleet
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Property Coverage
Special Form:Includes all Basic and Broad
Form perils, plus any cause of loss NOT specifically excluded
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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
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Property - Extensions
Newly acquired propertyPersonal property of othersValuable papers and recordsProperty off premisesAppurtenant structures
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Property - Extensions
Property in the openOutdoor trees, shrubs, plants,
and lawnsSignsIndirect lossFire department service charge
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Property - Extensions
Debris removalLock replacementAnti-arson rewardSewer/drain backupOrdinance or lawAutomatic fire suppression recharge
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Property - Extensions
Awnings, canopies, fire extinguishers, refrigerated products
Pollutant cleanupChurch fidelity bondVacant staff dwelling
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Property - Options
Replacement costNo deduction for depreciation on
covered property lossesAgreed value
No coinsurance penalty at time of loss
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Liability Coverage
Includes:Church members, employees, officials, and volunteers acting on behalf of church
World-wide coverageDamage to property of others
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Liability Coverage
Includes:Advertising/personal injuryNewly acquired organizationsLegal liabilityClergy and lay counseling coverage
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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
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Liability - Optional Coverage
Directors, officers and trusteesHired and non-owned autoSexual misconductEmployee benefitsDay/nursery/student medicalCorporal punishment
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Crime
Church theft:Provides blanket coverage including money and securities
Include double money coverage for four days of your choice
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Crime
Employee dishonesty Provides coverage for dishonest acts
of officers, ministers and duly appointed or elected officials
Forgery and alteration
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Inland Marine
Musical instrumentsFine artData processing equipmentMaintenance equipmentMinster’s business propertySignsScheduled property
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Equipment Breakdown
Common exposures:Cast iron heating boilers:
– subject to burning, cracking
Air conditioning systems:– susceptible to burnout
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Equipment Breakdown
Common exposuresElectrical wiring, circuit breakers and switches subject to overload
Communication equipment
susceptible to power surges
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Special Policies Available
Workers' compensationPays benefits to employees as required by state law
Provides protection for lawsuits brought by employees
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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
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Special Policies Available
Business autoProvides liability and physical damage coverage for church-owned vehicles
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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
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Why Choose GuideOne?
24/7 Claims ServiceLoss control services availableOver 3,000 professionally trained
agents serving their local communities
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FaithGuard Church