August 3, 2016
Any renovation, construction, or addition project at your church introduces new liability risks. Before engaging in any project, determine whether your ministry, a contractor, or some other party is taking responsibility for these risks, secure documented evidence of this arrangement, and make certain that all insurance policies involved provide adequate coverage.
If your ministry hires a contractor, make sure he provides his own insurance coverage. Never use uninsured subcontractors. Ask your contractor to provide a certificate of insurance indicating that he has workers’ compensation, general liability, and automobile insurance. This document should include policy numbers, limits, and terms.
Either you or your contractor must provide workers’ compensation. If your subcontractor does not carry workers’ compensation, then you, as the project owner, can be held responsible for work-related injuries to your contractor’s employees.
Ask your contractor to name your organization as an additional insured on his company’s liability certificate of insurance. Require liability limits of at least $1 million. If your contractor is providing builder’s risk coverage, ask him to indicate it on the property certificate of insurance. Secure a copy of the policy for your records.
Make sure the construction contract contains an indemnification provision, requiring the contractor to compensate your ministry for any injury, loss, or damage he or she causes your organization.
If your ministry wants to use volunteer or donated labor to complete your construction project, consider the risks. If one of your volunteers is injured, typical insurance policies provide no workers’ compensation and only a limited medical benefit, usually between $500 and $5,000. Inform your volunteers that if they are injured on the job, they will be responsible for their own medical expenses after primary medical coverage is exhausted.
You should fully explore this before deciding to undertake the work yourself. Often, after the workers’ compensation premium is factored in, many churches find it more cost-effective to enlist professionals rather than volunteers to complete the work.
Before breaking ground on your ministry’s next building project, carefully consider the insurance and liability ramifications.
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.
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.
National Insurance Awareness Day falls on June 28 this year to remind people everywhere that insurance is vital to their companies and 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.
The Centers for Disease Control says 107 cases of measles have been reported in 21 states since January 1.
The National Safety Council has designated June as National Safety Month, so we want to make sure your ministry is doing everything it can to protect its people, property, and programs. Each week in June, we’ll tackle a different topic. Up this week: Emergency Preparedness.
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.
Beloved evangelist Billy Graham was called to his heavenly home on Wednesday, February 21, 2018, at the age of 99.
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.
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.
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.
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.
Completing a personal property inventory of your church or ministry could be one of the wisest activities you can pursue. If disaster strikes and you file an insurance claim, you may need an inventory highlighting damaged items.
Have you thought through potential dangers that may confront your ministry? Taking steps to consider and address these risks provides important protection from injuries, lawsuits, fires, and dozens of other hazards that may affect your ministry, especially your employees and those you serve.
Small businesses—including churches and related ministries—can once again pay premiums for their employees’ health insurance. Previously known as an Employer Payment Plan (EPP) or Health Reimbursement Account (HRA), these arrangements violated the Affordable Care Act (ACA). However, due to a recently passed law, ministries that are not part of a group health plan now have another option to help employees with health care costs.
Ministries beware: An email scheme, designed to coincide with tax season, asks payroll and human resource professionals to disclose employees’ personal information. Think you wouldn’t fall for such a scam? You might, if the email looks as if it came from someone in your ministry.
Under federal law, most ministers have dual tax status. Dual tax status means a minister is an employee of the church for federal income tax purposes, and self-employed for Social Security and Medicare taxes. Here’s what you need to know.
Lawsuits against churches and ministries are on the rise, making their board members especially vulnerable. Sometimes, courts have found directors and officers personally liable when their actions have resulted in financial damages.
Incorporation takes the weight of responsibility off the shoulders of individuals and instead, places it on the organization. In contrast, a court may find all members of an unincorporated church legally responsible for negligent or criminal actions committed by one church member.
Ministries commonly store a variety of personal information about their members and the people who support them. Mailing lists and donation records may be the most familiar repositories of personal information; however, the average church database is also likely to include Social Security numbers and payment card information. Unsecured, this data could make church members vulnerable to criminals—putting church and ministry members at risk.