Did you ever think about the one-of-a-kind risk exposure your house of worship has?
It's wise to explore the various business insurance options available for religious societies.
Why?
See for yourself.
True Claim Examples that Can Happen to Any House of Worship
Non-Profit Directors & Officers Coverage:
One of the leaders in a church garnered support with most of the members. He left together with his followers to open a different prayer group. Behind the former congregants' backs, the new faction planned to gain possession of the original church building for their use. Despite the fact that he had a majority supporting him, the judge found the new church leader to be in violation of his responsibility to the church as a whole. He was obligated to restore the church property back to its original ownership and was charged with fiscal damages.
A church's membership had considerably grown to the point that the religious organization needed a bigger facility. To that end, the church appointed a building committee to locate an appropriate property to construct the new house of worship. The director of the new committee swayed the other delegates to approve a lot-for-purchase even though it would be bought at a high price. Following the contract, an individual discovered that the director had a personal motive for opting for the church site. A few church members brought an improper self-dealing, negligence and fraudulent conduct claim against the director and the commission he headed.
Employment Practices Liability (EPL) Coverage:
An African American female supervisor of Family Ministries was dismissed. Then, the board of directors appointed a younger white male to take over. The previous administrator reasoned that her replacement was being paid more than she had been. She brought a racial discrimination, age discrimination, sex discrimination and wage discrimination against the house of worship.
General Liability Coverage
While attending services, a church-goer tripped on a broken floor tile, resulting in a fall down the steps and a head concussion.
A young volunteer offered to hang adornments along the church's wall in celebration of a holiday. She fell off of the chair she was standing on and suffered a broken arm, necessitating a prolonged hospital stay.
Property Coverage:
A church had a fire that caused water and smoke damage and losses. As a result, furnishing, fixtures and other essential church items needed to be replaced. In addition, the religious institution was forced to rent a room for prayer services while their property was being repaired and renovated.
Pastor Professional Coverage:
A wife came to her pastor in regard to an abusive marriage. The pastor counseled her to stay with her husband and together with her husband, seek guidance in strengthening the relationship. The husband continued to abuse the woman to the point that she suffered injuries. The pastor as well as the church was sued for detrimental counsel.
Abuse-Molestation Coverage:
A teacher in the church's religious school was accused of molesting a 13-year-old student. He denied the accusation. The teacher was told to leave his position while the allegation was being investigated. In the meanwhile, the student's past record of falsely charging others was uncovered. Those who knew the teacher insisted he was innocent. He was allowed back to his position, but the defense cost was expensive.
Equipment Failure Coverage:
The church's boiler developed a crack, resulting in $9,000 property damage. Besides this loss, it was necessary for the church to rent a room in a nearby religious site while the property was under repair.
Tidak ada komentar:
Posting Komentar