Insurance Board FAQ’s
What special coverages are offered in your program?
We offer many programs. See the bullet-point lists below.
Insurance Board property coverage includes:
- Automatic Agreed Amount – no co-insurance
- Unintentional underinsurance up to 25%
- $10,000 sub-limit on backup of sewers in Zones A & V
- Building ordinance – increased cost of construction of coverage and limit
- Business income limit including extra expense, rental and tuition income
- Broad range of optional property coverage including transit and fine arts
- $1M limit for employee dishonesty and money & securities
- “Upgrade to Green” extra dollars for rebuilding with environmentally-friendly materials
- Newly acquired property for 180 days and up to $1,000,000
Insurance Board liability coverage includes:
- $30M Liability limit per church (participant)
- Abuse of $1M per participant, no aggregates on a territory basis Plus Excess Abuse
- Directors & Officers with Employment-Related Practices (EPLI), Sexual Harassment, Wrongful Termination etc.
- Automobile availability including church busses and vans
- Hired & Non-Owned Auto Liability for rented vehicles
- Corporal punishment included for schools
- Camps, daycare and schools are also eligible for the program
Why denominational church insurance?
Operating on their own, some local church organizations are not able to obtain comprehensive coverage with sufficient limits. Other churches may not recognize the need for certain important coverages. Availability of coverage is essential. Unfortunately, commercial insurance companies sometimes exclude certain churches. Our not-for-profit denominational program doesn’t exclude member churches just because they are in high-risk areas. And every effort is made to obtain coverages that are affordable, even for catastrophic events, by leveraging our group buying power.
How do I obtain a policy?
Your primary contact for becoming a covenantal member of the UCC Insurance Board program is your Insurance Board local agent. You will find your agent well-qualified and quite knowledgeable in the risk management issues facing your church. Simply click Find An Agent at the bottom of the Home screen.
Who is eligible to participate?
Organizations that are affiliated with the United Church of Christ, the Christian Church (Disciples of Christ) and the Presbyterian Church (USA) are eligible to participate in the program.
Who runs the program?
The Insurance Board is a not-for-profit corporation owned by the participating Conferences of the United Church of Christ. They elect the Board members. The guiding principles are set by a 21-member Board of Directors consisting of UCC Conference Ministers, Christian Church (Disciples of Christ) Regional Ministers, Presbyterian Church (USA) Executives, and qualified lay leaders from around the Country. Insurance Board staff members administer the group insurance program and serve as your professional resource.
What assurances do we have that claims are paid?
The Insurance Board only selects carriers that have an A.M. Best rating of A, or better. Our structure also utilizes carriers that are registered with departments of insurance in every state, ensuring that participants have the protection and recourse in the event of problems, something not always available from other programs being offered to churches. Our carriers ultimately are responsible to see that claims are paid.
Who manages the details?
Our broker, The Willis Group, is one of the world’s leading insurance brokers, with more than 15,000 employees. Our broker negotiates with insurance companies and reinsurers to provide the best package of coverages and limits available. Account representatives assist our church participants with coverage questions and customer service issues. Additionally, the Insurance Board is comprised of insurance industry professionals in the areas of underwriting, marketing, sales and claims.
How are insurance premiums paid?
Package policy payments can be made in convenient quarterly payments. Workers’ Compensation and Automobile policies are paid directly to the carrier in convenient quarterly or monthly installments.
What coverages are provided?
The United Church of Christ Insurance Board was developed in response to a specific need to adequately insure local churches through a group program. We are church insurance for church people by church people. Our coverage addresses the specific and all-encompassing needs of churches. Areas include:
- Church Property
- General Liability
- Automobile / Vehicle
- Workers’ Compensation
- Umbrella Liability
- Professional/Sexual Misconduct
- Directors & Officers Liability and Employment Practices Liability
I am an agent in Alabama that specializes in church insurance. How can we obtain a contract to write business through you all?
Agents wishing to do business with the Insurance Board should direct their communications to Elizabeth Vance.
Does every policy through your company have a replacement cost value policy which in an event of a hail or wind claim the depreciation is recoverable?
The Insurance Board policy provides for full replacement cost for such as a roof replacement. As in all such policies, the full value adjustment is conditioned on actually replacing the roof. In a typical large claim, the depreciated value of the roof is advanced. Upon completion of the replacement, the balance up to the actual cost of replacement is then paid. Again, these replacement terms are fairly universal.
What is the Name of the Insurance Company(ies) which underwrites your program?
Our Primary insurance carrier is Lexington Insurance Company, a member of AIG, rated A XV by A.M. Best Company. To fill out the needed limits for Hurricane and Earthquake, the program is also insured with Underwriters at Lloyd of London, and with Ironshore Specialty Insurance Company. The Crime insurance is insured with Federal Insurance Company, A Chubb Group Company. The carriers for the Excess Casualty (Umbrella) are National Union Fire Insurance Company, an AIG subsidiary, and American Guarantee Insurance Company, a member of the Zurich Group.
Are seminary students within the UCC offered any type of medical insurance? Those who are not employed or do not have coverage by their employer?
Questions relating to health insurance can be directed to:
The Pension Board
What policy forms are used? Are they ISO forms? Are you admitted in Florida? Who handles your claims?
What policy forms are used? Are they ISO forms? The Program’s policy forms are manuscript, not ISO. They are based on industry standard language, modified to provide enhanced coverages for churches.
Are you admitted in Florida? The primary carrier for the Program is Lexington Insurance Company, a member of the AIG Group of Insurance Companies. Lexington is a non-admitted, authorized surplus lines carrier in Florida.
Who handles your claims? The Program’s Claims Administrator for Property and Crime claims is Constitution State Service Company, a claims servicing unit of Travelers Insurance Group. The Program’s Claims Administrator for Liability claims is York Risk Services Group. York is ranked nationally as the number 3 third-party administrator (TPA) based on annual revenue.
How are background checks performed? Downloadable application or online submission? We have several church staff that need to have confidence packages; and I need to know the difference in IB and program eligible.
The administrator prints the application, fills it out, and emails or faxes it to us. Our Loss Control Manager forwards it to Praesidium. Praesidium emails the administrator back with log in information. If the church is insured through us, the IB subsidizes the background check fee at 50%.
The administrator then logs in and conducts the background check. There are 3 packages: Basic, Confidence, and Praesidium.
I recall some years back notice that you will only insure Disciples congregations if they have either a commissioned or ordained minister, is this still policy?
One of the Program’s underwriting guidelines requires the Senior Minister/Pastor to have standing within one of the 3 denominations we serve, United Church of Christ, The Christian Church (Disciples of Christ), and/or Presbyterian Church (USA). Exceptions can be made for specific situations, including short term interim positions.
Our church volunteer youth workers have already had criminal background checks by National Background Checks, must they also have background checks through Praesidium in order to take the online Armatus courses?
No, Armatus courses are available free of charge to all UCC, DOC and PC(USA) churches through the Insurance Board. In order to assign courses, go to the Safe Conduct Workbench page and download the Administrator Guide. Someone needs to be appointed as Administrator from your church.
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