Storm Damage Can Be Costly
The consequences of storms and storm-related damage are often tied to what type of storm has hit. Fortunately, Insurance Board offers solutions for flood damage, winter weather, ice and snow damage, and property damage. We even offer coverage and prevention tips for trips, slips and falls as well as bursting pipes from cold weather.
Wind damage from storms is a common cause of destruction to churches – especially vulnerable church steeples. Insurance Board agents know just how steeples add a level of complexity to insurance coverage – but our knowledge helps churches get the right coverage they need. Insurance Board offers great tips on how to be proactive in protecting your property against wind damage – even ways to be ready for a tornado. The national average cost of repairs for storm damage on buildings is over $6,000 – so it’s important to do all you can to be prepared in both an Insurance Board policy and in your regular building and property maintenance – including regular building and roof inspections, clearing gutters, and examining trees for weak roots.
Did you know that if your valuable machinery and equipment or electrical system has been exposed to floor water, there’s still a great deal of damage done even when the flood water has receded? Insurance Board not only offers great flood damage coverage in our policies, we offer many safety resources that keep you prepared for the safest, smartest next steps in the midst of assessing flood damage or a flood-related crisis. Your Insurance Board agent is trained to know the unique value of the belongings in your church and will be ready to help you with coverage, advice, and understanding when it’s needed most.
It’s common for a church to own buildings that are frequently vacant for days on end. If the water is not flowing for several days, there may be pipe bursting, causing leakage that can lead to severe water damage, especially if it is undetected for days. Keep all of your properties inspected and supervised to prevent water damage. Insurance Board agents understand how to examine your properties and assess the risk, resulting in the policy that best serves your church and ministry.
If the weather outside is cold and icy it can cause damage that in some cases is severe. Ask your Insurance Board agent to assess your property and discuss the best coverage for ice damage. Also look for ways to prevent ice damage from becoming an expensive problem and interrupting worship and the other activities that are so important to your ministry. Insurance Board offers precautions you can use for your church to get ready for winter. It’s part of our many FREE safety resources to help you prevent costly damage before it happens.
Trips, Slips and Falls
According to the National Safety Council, trips, slips and falls cost businesses and organizations over $11 billion per year. These accidents are caused by unsafe walking surfaces – sidewalks, floors and stairs – and slippery conditions caused by ice, spilled liquids and other causes. Insurance Board offers complete coverage for trips, slips and falls on your property – but also many resources, checklists, and solutions that will help you prevent these costly accidents on your church premises. From installing slip-resistant flooring and stair treads to removing clutter and cultivating tidy cleaning habits, we are here to keep your church and congregation safe by helping prevent costly expenses so you can fulfill your ministry.
We understand your ministry. Our services will help it continue. You are entrusted with the well-being and security of your congregation, plus the financial future of your church. Who you choose to help you manage that risk and prevent loss may be one of the most important decisions you make. Insurance Board liability insurance coverage includes:
- General liability
- Abusive acts/sexual misconduct liability
- Pastoral & counseling liability
- Hired & non-owned auto liability
- Directors & officers liability
- Employment-related practices liabilities such as sexual harassment, wrongful termination and discrimination
Insurance Board is here to help you serve your ministry.
You are entrusted with the well-being and security of your congregation plus the financial future of your church. Who you choose to help you manage that risk and prevent loss may be one of the most important decisions you make. Tell us how we can help you serve your ministry better.
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Insurance Board agents are exclusively appointed because of their understanding of, and compassion for, the churches we serve.
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