The Martin Agency Church Coverage
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- Meghan Martin
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1 Church Coverage Safeguarding Ministries on Many Levels After developing the nation s first multi-peril package policy for churches in 1962, GuideOne has grown to become one of America s leading church insurers. Today, GuideOne protects nearly 43,000 church policyholders across the United States. To safeguard ministries on many levels, GuideOne offers An exceptional portfolio of insurance coverages; and The industry's leading safety and security resources through the GuideOne Center for Risk Management and SafeChurch. GuideOne Insurance agents also offer a full line of employee benefits. Insurance Designed Especially for Churches GuideOne Insurance has been insuring churches since 1962 when it introduced the first multi-peril package policy designed especially for churches. GuideOne is one of the nation's leading church insurance providers, protecting nearly 43,000 church customers. Church Package Policies: FaithGuard Church To meet the special needs of your church, our FaithGuard Church policy offers Property and Liability coverages for churches of all denominations and is available in all states except Florida. Florida residents, please learn about our Cornerstone Plus Package coverages. Important: Due to applicable state laws, certain coverages may not be available in your state. Please contact your GuideOne Insurance agent for coverage availability.
2 Property Coverage Property coverage includes such items as your buildings, contents, signs, property in the open, and fences. Your policy will automatically include coverage for standard items, along with many non-standard items, such as the following: Equipment breakdown, including computers, boilers, and electrical equipment. Newly acquired or constructed property. Our limits exceed industry standards. Pastor's personal property. Ordinance or law when building updates are required by ordinance following a covered loss. Stained glass windows. Personal Effects and property of others on a worldwide basis; for example, property damaged on a mission trip. Fire and security alarm upgrade reasonable additional costs to upgrade your system when replaced due to a covered cause of loss. Utility services interruption (direct damage and time element) for example, a storm knocks out usage of your utilities and causes damage. Automated external defibrillators (AEDs). Indirect loss, such as the loss of church income and tuition fees resulting from a covered peril, including a violent incident; e.g., a church intruder. Earthquake sprinkler leakage. Arson, theft or vandalism information reward. Endorsements Your church may also elect to add the following endorsements to your policy at a modest charge for even greater property protection: Crime coverage provides protection for losses resulting from theft, employee dishonesty, computer fraud, forgery and alteration. Electronic Data Processing covers direct physical loss to your computer hardware and software. Green upgrade coverage pays for the reasonable additional costs to upgrade to more energy efficient and environmentally friendly building elements and appliances in the event of a covered loss. Inland marine covers property that may be transported from one place to another, as well as unique types of property and possessions of artistic merit. Key person replacement coverage provides for the reimbursement of recruitment expenses to replace a senior or executive pastor who dies in a work related accident. Limited flood coverage provides building and personal property coverage on a limited basis when loss or damage is a direct result of flood.
3 Liability Coverage The Martin Agency General Liability coverage protects the church against claims of bodily injury or property damage arising out of its premises or operations for which the church may be legally liable. It also protects the church against its liability for personal and advertising injury offenses, such as libel and slander. Medical expense coverage is also included, regardless of fault. FaithGuard Church includes General Liability protection against claims resulting from ministers' spiritual counseling. It also covers expenses resulting from a violent incident occurring during a church sponsored activity. Those afforded General Liability protection include church members, employees, officials, staff, and volunteers acting on behalf of the church. Optional Coverages A wide variety of optional coverages are also available: Non-owned and hired auto liability Counselors liability (licensed and fee-based) Directors, officers and trustees officers liability Employee benefits liability Employment practices liability Lost wages coverage Sexual misconduct liability Additional Coverages Available Workers' compensation o GuideOne church policyholders, see Preparing for a Workers' Compensation Premium Audit Business auto Cyber Liability NOT available in Hawaii or New York Umbrella GuideOne Insurance agents offer the following special policies to complement our Church policies: Group life Underwritten by the Kansas City Life Insurance Company Key employee life Underwritten by the Kansas City Life Insurance Company
4 Reward and Recognize Your Staff with Employee Benefits You know that employees are critical to the success of your church and its ministry. And the best way to recognize the value of employees, strengthen their loyalty, and enhance performance is by offering them an excellent package of employee benefits. Through a special arrangement with Kansas City Life Insurance Company, your GuideOne agent can provide your organization with the following Employee Benefits products: Retirement Savings Plans Group Life Coverage Short Term Disability (Group) Long Term Disability (Group) Group Dental Group Vision Important: Due to applicable state laws, certain coverages may not be available in your state. Please contact your GuideOne Insurance agent for coverage availability. A quality benefits package not only rewards employees and demonstrates your organization's commitment to them, but employee benefits also can minimize costly turnover and will help your church compete in the marketplace to recruit new employees. To design a custom employee benefits package, we encourage you to review the benefits listed above. Then talk with your GuideOne agent, and ask him or her about employee benefits underwritten by Kansas City Life Insurance Company. Compared to all other church insurance companies, GuideOne agents are able to provide the most comprehensive package of employee benefits. Retirement Savings Plans Employees consider a retirement savings plan to be one of the most important benefits an employer can provide. For nonprofit organizations, a 403(b) plan is the perfect solution because it's simple to administer and there are little or no up front costs to your organization. Similar to a 401(k) plan, a 403(b) retirement savings plan lets employees of nonprofit organizations set aside a portion of their salary pre-tax. Plus employees can choose from a wide portfolio of financial products to fund their 403(b) retirement savings plan. Group Life Insurance Life insurance is an integral part of most employee benefits packages. When provided by an employer, employees appreciate the value of life coverage and the additional security it provides to their families. Employers have a wide variety of optional plan designs to customize a Group Life plan. Optional coverages include Voluntary Life insurance, Supplemental Life coverage, Accidental Death and Dismemberment
5 policies, and Dependent Life insurance (availability depends upon group size and state of issue). The premium paid for Group Life is generally a business deduction, and this stand-alone contract is usually less expensive than the life coverage provided with medical insurance. Group Short Term Disability A steady income is essential for most people. If an accident or illness interrupts that income, it affects both the employee and employer. Short Term Disability (STD) protection is designed to replace a portion of the wages lost when a short term disability occurs. An affordable, flexible STD plan can provide needed benefits to both the employer and employee. Group Long Term Disability In the event that an accident or illness prevents an employee from working for an extended period of time, the financial impact can be severe for the employee and employers. Long Term Disability (LTD) protection is designed to help cover the employee's expenses while their regular income is interrupted. Flexible plan design options and benefit alternatives are available to meet specific needs. This valuable protection is available with low-cost, tax-deductible premiums. Group Dental Plan One of the most popular benefits for employees is a Group Dental plan. This highly visible and often used benefit offers employees the freedom to select the provider of their choice. Dental coverage is a great way to supplement an employee benefits package and enhance morale. A comprehensive Group Dental plan can be tailored with options to fit your organization's budget. Group Vision Plan A Group Vision plan is especially attractive for employers because it is inexpensive to offer, yet it's another employee favorite. With the unique dual choice plan, employees and family members are not locked into using the network to receive benefits. But employees receive the greatest savings by choosing from one of the more than 7,000 network providers. Tailor a Benefits Package to Your Needs To tailor a customized benefits package to meet your church's goals and employees' needs, talk with your GuideOne Insurance agent about these exceptional benefits options. Group Affiliated Program GuideOne's Group Affiliated Program (GAP) is designed to provide specialized, comprehensive insurance coverage for headquarters of religious organizations and their member institutions. Important: Due to applicable state laws, certain coverages may not be available in your state. Please contact your GuideOne Insurance agent for coverage availability.
6 Benefits The Martin Agency Participants in this program receive the following added benefits: A property coverage enhancement for each participating policyholder providing an additional 25 percent of their total building and contents amount of insurance, up to $1 million maximum, to use in case of an insured property loss. The headquarters will be notified of a lapse in coverage of any participating institution so that it can intervene if necessary and keep the insurance coverage in force. Each participating institution will have flexibility in determining its own coverage and limits, with the minimum requirements established by the headquarters. Each participating institution receives its own policy. Each participating institution is billed individually. Life Insurance Coverage The following life and annuity products, underwritten by Kansas City Life Insurance Company, are available from your GuideOne agent to help your organization protect and retain your most valuable assets your employees. Important: Due to applicable state laws, certain coverages may not be available in your state. Please contact your GuideOne Insurance agent for coverage availability. Group Life: Adding Group Life to the benefits package you currently offer is an easy and affordable way to help secure the needs of your employees' families. 403(b) Plan: Provide employees with a high quality tax-deferred retirement plan. Through a 403(b) plan, employees can contribute on a pre-tax basis, lower their taxable income, and at the same time, build retirement security. There may be upfront costs to your organization to set up a 403(b) plan. Key Employee Life Insurance: Many religious institutions would be lost if faced with the death of their religious leader. Key Employee Life is designed to cover expenses incurred when a loss like this occurs. Disability Income Insurance: Disability Income insurance covers expenses when a regular income is interrupted due to accident or illness. GuideOne offers coverage with special definitions of what can be included as income for pastors. This information is only a general description of the available coverages and is not a contract. In an effort to keep your policy coverages affordable, the actual policy contains certain limitations and exclusions. Please refer to your insurance policy for the pertinent contract language and coverages. Some coverages or discounts are not available in all states.
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