The risk management completed today may provide the vehicle to help you override the possible risks of tomorrow.

   This form could be the critical element in assisting your church with possible issues of neglect should legal issues develop regarding a maintenance situation. The courts today are looking for a written record of actions and will give little value to verbal reports.

   Submitting your central station alarm certificate could assist with possible premium credits for your organization. A PDF printable form follows for your convenience. Please have your alarm company complete and return to our office for processing.

   When others desire to use your church or school facilities that are not part of your church or school community, there are some critical elements that should be considered.

   Without a current and quality inventory of your personal property and scheduled property, the agent has only a guess of what your need should be for a covered loss. This could mean you are over-insured and paying too much premium or underinsured for a possible loss. Lack of inventory control could mean lost or misplaced property or unnecessary duplication of property. An inventory of scheduled property is critical to establish its value and to provide coverage. Personal property coverage is connected with a building, those items when removed will lack coverage with few exceptions. Sample forms and a suggested plan to accomplish this follow.

  

Today organizations have many items that appreciate in value, are unique, or are items that are moved from place to place. These items do not fit the coverage benefits of the normal insurance policy, leaving them improperly covered. Many of these items are specifically excluded from the normal policy. Examples are antiques, collectibles, fine art, handbells, religious items, tools, portable computers, outside equipment, lawn equipment, cell phones, etc. It is therefore critical to have an inventory to establish proper values and to provide a schedule of items for coverage.

   -Under Construction-