Your position with us.  As a client, we would like you to know that your efforts are an important part of your insurance program with us today, and we need your assistance for the best results for your ministry. For an insurance program to provide the best possible benefit, at the best possible price, it is critical that we have current data that is specific to the risks of your ministry, and that the risks have been properly reviewed for their frequency and severity.  The Risk Management that we assist you with is the foundation upon which a good insurance program is built. Without this relationship which we build with you, you may have a policy with great provisions, but do they meet the specific needs of your ministry? I am sure you have known of people and ministries who have coverage with good insurance companies, but when a loss was presented, they were often left with no benefits to assist them with their loss.  Perhaps the proper risk management may lessen your risks; some may be spared moral loss or loss of sight, limbs, life, health, property loss or financial loss. Insurance can assist with the aftermath of a risk loss, but only proper risk management may prevent or lessen the effect of risk loss. For a sound risk management program, it takes a team effort that is built on a solid, ongoing relationship with people who care enough to take the time to be involved with us. We can help you, with current insight, training, materials, resources, and our personal involvement, to review and encourage your efforts, plus be your advocate to represent your risks and how they are being dealt with to the insurance company. Only an ongoing relationship with our clients can offer these benefits for your organization.

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The Risk Management Report Card is the data I must collect and review ninety days prior to your renewal with the insurance company home office underwriter.  This report has a major impact on your renewal premium.  Please take some time to review the elements of this report so that we can work together for your best premium and least risk. To assist us with the advantage of being on the same page, we have included on our website many sample form suggestions, data collection forms, and other helpful data which covers a wide variety of the risks that you may be presented with today as a ministtry

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Risk Management defined: The process of making and implementing decisions that will minimize the effect of accidental loss. It's managing the risks of  your ministry.

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Risk Management, its importance today:  Risk management is the foundation for a quality insurance program, without which, you are building on quicksand in our litigious culture of today. Today we need leaders with integrity--who are risk management focused--because they have a clear vision of people, property, litigation, and financial loss. People want to know that they and their children are safe with your ministry's programs, transportation, employees and volunteers, property, and that data record integrity is important.  It is most unfortunate, today, that we live in a society that has far too often chosen to overlook the fact that there are consequences (which can be both good and bad), because the choices we make concerning our actions--what we think, say, or whatever else--might have an effect on ourselves or the organization we have chosen to be a part of.  This choice often leads us down a path of negligence, which is the basis of most property damage, loss of life and limb, and moral indiscretions, as well as most litigation today against ourselves and the ministries we are a part of. This is the basic premise for today's risk management and the reason for its necessity.

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 We view our position as a partner in your ministry as you allow us to come alongside you and offer the professional assistance--which most find necessary today for an effective ministry. Other agencies can provide you with the source of an insurance policy which you could purchase and file for some future need, but we offer much more with an ongoing, growing relationship that is designed to meet your specific needs as we minister together and interact.  Thank you for the opportunity of allowing us the privilege of ministering with you in your organization in these challenging and changing days that we currently find ourselves in. We will diligently work to provide you with our best efforts, products and service. We trust you will compliment these with your best efforts for the successful team that is necessary for you today. You can contact us with questions, concerns, data updates, or other reasons as you feel necessary, by email : dphelps@phelpsfinancial.com or by phone 614-899-6000 or toll free phone 877-471-7997  for the states of OH, MI, KY, WI, IN, IL, TN, WV.