Mission. To support and protect churches and church ministries by offering superior property and casualty risk and insurance management services.
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- Oswin Spencer
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1 The Insurance Board
2 Who We Are We are a property and casualty insurance program serving the churches and related ministries of the: Alliance of Baptist Christian Church (Disciples of Christ) Presbyterian Church (USA) United Church of Christ
3 Who We Are (cont.) Headquartered in Cleveland, OH Board of Directors (18) - clergy and lay leaders Write coverage in all 50 states More than 4,000 participants in the Program More than $13 billion in property values Experienced and professional staff
4 History Established in 1981 by churches to serve churches Founded on the guiding principle: Making churches safer places for ministry Began with one conference in CA and grew to include all 38 UCC conferences In 1991, the Christian Church (Disciples of Christ) joined the Program In June, 2009, Presbyterian Church (USA) joined In April, 2016 Alliance of Baptists joined
5 Mission To support and protect churches and church ministries by offering superior property and casualty risk and insurance management services.
6 Vision To become the program of choice for the denominations we serve.
7 Values Choosing to be bound together in mutual care and concern we will maintain: Integrity Excellence Exceptional Customer Service Open Communication Inclusiveness
8 Insurance Partners Willis of Ohio Insurance Board local representatives Lexington The Hartford Constitution State Services York Sigma Actuarial
9 Exceptional Claims Service A team of dedicated professionals with decades of experience and specialized training in church insurance services 24 hour claim reporting Online, Phone and Fax Best of Class third party administrators Constitution State Services (Travelers) & York Claims Services hour response time
10 Program Overview Our goal at the Insurance Board is protecting your ministry. That means working with your church to help avoid the disruptive impact of a loss. It also means providing insurance solutions to protect your church in case of a loss. We understand your ministry. We work hard to help you continue it. Church-Tailored Covenantal Relationship Prevention First Comprehensive Coverage Superior Limits
11 Program Highlights Church-Tailored Church solutions for church people by church people Custom Policy Forms Inclusive, not exclusive Your advocate Knowledge and coverage specific to churches: Liability related to church ministries Unique structures Stained glass Pipe organs
12 Program Highlights Covenantal Relationship Guiding principles set by relationship with our four denominations Sisterhood of churches working in conjunction with each other Responsibility of churches to each other for best practices in loss prevention Buying power Denominational program of inclusion
13 Program Highlights Prevention First Our goal is to make churches safer places for ministry Programs and services aimed at reducing the likelihood of a loss Electrical inspection program Property valuation Abuse prevention training Support for boundary training for clergy Background checking Newsletters Webinars Seminars Risk management advice
14 Program Highlights Comprehensive Coverage General liability Abusive acts liability Pastoral counseling liability Hired & non-owned auto liability Directors & officers liability including employment-related practices liabilities such as sexual harassment, wrongful termination & discrimination Employers liability and employee benefits liability Cemetery professional liability Crime (employee dishonesty) Property Automobile Workers Compensation Privacy Breach (Cyber)
15 Program Highlights Superior Limits $30M umbrella Unintentional underinsurance up to 25% of Blanket Limit Up to $1M employee dishonesty and money & securities Up to $500,000 business income liability Up to $3M sexual misconduct liability per victim/$7m annual limit Up to $2M pastoral counseling Up to $3M directors & officers liability Up to $2M employee benefits liability Up to $2M hired & non-owned automobile No shared liability limits
16 Why the Insurance Board? Denominational insurance program Non-profit corporation Prevention first Financial Stability A rated or better carriers Comprehensive coverage Superior limits Excellent claims service Your advocate!
17 Misunderstanding - A.M. Best Rating Misunderstanding: The Insurance Board Program is not the insurance company. The primary carrier for the IB Program is Lexington Insurance Company, a member of the AIG Group of Companies, which carry an A.M. Best Rating of A (Excellent).
18 Misunderstanding - Self-Insurance Program Misunderstanding: The Insurance Board Program is a (risky) selfinsurance program The Insurance Board Program purchases insurance policies that provide coverage from the Ground-Up Advantages to current structure Return of Underwriting Profits in most years keeps premiums down More flexibility on policy language can offer broader, custom tailored coverages
19 Shared Limits # 1 Misunderstanding: The Insurance Board Program Limits are all shared by the participating churches Crime, Liability (including SML) and Excess/Umbrella limits are not shared and apply Per Participant The following are shared : $100 million annual aggregate Flood $100 million annual aggregate Earthquake
20 Coverage Advantages - Property Special Form/Agreed Amount/Replacement Cost/Blanket Limit Blanket/No co-ins./25% Unintentional Underinsurance Optional Earth Movement and Flood coverage - up to Blanket Water backup/ground water covered without a sub-limit Pipe organs and stained glass included in definition of Building Named Storm and Hail are covered perils countrywide Business Income, Extra Expense, Increased Cost of Construction, Demolition Limits In Addition to Blanket Limit Building Ordinance Included up to Blanket Limit Upgrade to Green Mold and asbestos covered (some limitations) Personal Effects of Clergy; Event Cancellation; Boiler & Equipment Breakdown Terrorism coverage included at no additional charge $1M Crime & Employee Dishonesty Limit 11/16/2017 We Care As Much About Your Church As You Do 20
21 Coverage Advantages - Liability Limits / Umbrella SML / Counseling / Nurses / Cemetery / Educators Claims-Made / Incident Trigger Hired & Non-Owned Autos / Owned Trailers No Liquor Liability Exclusion for Participant Sponsored Events Cyber / Privacy Breach Crisis Response & Crisis Management Blanket Additional Insured (where required by written or oral contract) Employees & Volunteers as Insureds Off-Premises Church Sponsored Activities Automatically Covered Owned, Licensed Trailers Absent a Power Unit included for liability and physical damage 11/16/2017 We Care As Much About Your Church As You Do 21
22 Small Church (Flex) Property Endorsement To qualify for Flex, the thresholds are: $3,000,000 Total Insured Values (TIV) or less; and 100 average worshippers or less Coverage changes include, but not limited to: 25% Unintentional Under Insurance removed Fences, signs and headstones limited to $15,000 Enhancements to water damage coverage removed Business Income and Extra Expense decreased from $500,000 to $100,000 Ordinance or Law (Increased Cost of Construction) decreased from $500,000 to $250,000 11/16/2017 We Care As Much About Your Church As You Do 22
23 Flex - Crime & Excess/Umbrella Crime coverage decreased from $1,000,000 to $50,000 Umbrella options include $0 (no umbrella), $5M, and $30M (Umbrella options available to Classic too when TIV is <$3M) 11/16/2017 We Care As Much About Your Church As You Do 23
24 Presbyterian Church - CA TIV=$925,350; Ave. Worship=37; No EQ coverage Current IB Package ( Classic ) Premium = $4,506 IBpropertyFLEX ( Flex ) Premium = $3,916 11/16/2017 We Care As Much About Your Church As You Do 24
25 UCC Church - Kansas TIV=$597,500; Ave. Worship=32 IB Package ( Classic ) Quote = $3,340 IBpropertyFLEX ( Flex ) Premium = $2,926 11/16/2017 We Care As Much About Your Church As You Do 25
26 First Christian Church - Colorado TIV=$1,350,000; Ave. Worship=22 IB Package ( Classic ) Quote = $4,348 IBpropertyFLEX ( Flex ) Premium = $3,769 11/16/2017 We Care As Much About Your Church As You Do 26
27 Functional Building Valuation (FBV) FBV is designed for churches that: Own larger, more ornate buildings, generally constructed pre-1945 Have a dwindling congregation size Are currently under-insured Do not have the financial resources to pay their premium
28 Functional Building Valuation (FBV) Features & Limitations Insured buildings would be replaced with smaller, cheaper buildings in the event of a total loss The difference between Replacement Cost and FBV of the subject building must be greater than 50% Must establish a scheduled value by building and contents no blanket limit In the event of a partial loss, less costly material will be used when calculating the cost to repair or replace damaged property, if available, in the same architectural style, plus the amount spent to demolish and clear the site of undamaged parts of the building Provision for Unintentional Underinsurance does not apply Additional coverage either limited or removed, including Business Income and Extra Expense; Increased Cost of Construction due to Ordinance or Law; and Upgrade to Green
29 Claim Examples Sexual Misconduct Former Youth Pastor Claim started in 2014 and remains open; $120,000 paid-to-date Alleged kidnapping and sexual assault of a 15 year-old Occurred prior to the accused pastor s affiliation with the church Pastor s Credentials Revoked Inappropriate behavior with a child going back to 2004 Accused pastor threatened legal action against the Presbytery and demanded they cease any communication of their investigation findings Attorney hired to respond and deny the demands
30 Claim Examples - Crime Phishing Scam 2016; Kansas church; $20,000 While pastor was on vacation, the church s Financial Secretary received an from the pastor s account requesting a wire transfer Employee Theft 2016; Oklahoma church; $110,000 Admin. Assistant/Bookkeeper of 10 years was writing checks to herself and using the church s credit card for personal use Church confronted her in July but didn t report the claim until September
31 Presbyterian Church (U.S.A.) Office of Risk Management Services
32 Presbytery Approved Program Current Insurance Board participants include 71 Presbytery offices and 9 Synods, and growing! Incentive for Presbyteries to insure all their member churches with the Insurance Board Favorable/discounted premiums Liability limits not shared Billing flexibility Loss control resources
33 Abuse Prevention Helpline (866) Added this free service recently, in partnership with Presbyterian Church (U.S.A.) as a joint ministry Callers receive expert advice on How to best respond to suspicious behaviors and/or suspected abuse Best prevention protocols How to respond to allegations of abuse When and how to report to the authorities Screening employees and volunteers Available to all churches and ministries, whether or not they participate in the Insurance Board program
34 Contact Us Jon Prange Office: (316) Toll Free: (800) Insurance Board Toll Free: (800) Fax: (216) Website:
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