The foundation for other great religious organizational operations is a solid risk management program. Here are some specific strategies designed to help you avoid the minefields of today's litigious culture.

   We offer a complete program of property and liability insurance for your other religious organizations, including your activity exposures. Specific risk management is also provided to assist you. For vehicles, please note our religious vehicle insurance page. Employee benefits are also offered; please note the employee benefits page. 

  

An added layer of liability protection for your peace of mind, which is in addition to and on top of your underlying liability coverage, and which can pick up possible loose liability ends. Our plans offer a $10,000 retention (like a deductable) with a base single limit for both bodily and property damage of $1,000,000, with possible increases per million. Please note your specific policy for the benefits and limits of coverage which you have purchased.

   Vehicle insurance strategies include not only insurance plans for company owned vehicles, but for non-owned and hired used vehicles, for maintenance issues and use and territory issues, and for driver qualification for church bus, school bus, utility vehicles & private passenger autos. This leads to an important side issue. Since 15 passenger vans are known to be unsafe, allowing your organization to use them can put the organizational officers, employees and leaders in danger of possible litigation, should an accident occur. On August 3, 2004, Ford Motor Company and Enterprise Rent-A-Car Company were sued for this very issue.

   Employees, your most valuable asset, deserve the best from you if you expect their best for you. When you help them achieve some of their dreams and goals, they will help you, the employer, achieve some of yours. The investment in your employees will yield a return that is worth your consideration many times over.  To review benefit offerings and Govt forms Click here  

   The compliance info, forms, and plans that are essential for this area. If your religious organization or enterprise is in the states of OH, IN, KY,  & WI, continue on with work comp choices to find the info you need, whether for a specific state, a form, or compliance info.  Click here for assistance, forms.  www.phelpsfinancial.com/summary/p/38

   We offer foreign travel medical insurance that provides coverage for emergency medical flights and other medical care that may be needed when traveling abroad.Over-looking this could cost you your assets since most U.S. medical plans do not cover this important area. We also cover visitors from other countries to the U.S. for business or pleasure. For link, click here  http://www.phelpsfinancial.com/summary/p/269