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Why Does a Church Need Workers’ Compensation?

andrew@faithworksmarketing.com (Andrew Spikes) — Mon, 13 Jul 2020 20:07:43 GMT

Why Does a Church Need Workers’ Compensation?

While taking care of religious activities is a well-known part of church management, your responsibility doesn’t end there. Additional tasks such as looking after financial stability and employee security are also crucial to your overall duties.

To ensure that you meet these requirements, you need to get comprehensive insurance coverage for your church and its employees. This ensures that you have financial coverage in case of unforeseen events and could offer your employees the same security sense.

Workers’ compensation insurance for churches is a prominent yet often underrated part of this approach. While most providers offer the policy, it can sometimes be overlooked in pre-packaged insurance plans if you do not specifically ask for it. This is why you must learn about workers’ insurance and its importance to your church to make an informed decision.

What is Workers’ Compensation Insurance?

Workers’ compensation insurance is used to provide employees with financial protection against unforeseen events at the workplace.

The policy covers instances such as:

Medical bills arising from work-related injuries or conditions.
Lost wages due to work-related injuries or sickness.
Death due to a work-related incident (coverage is provided to employee’s dependents).

Since the policy offers comprehensive coverage against work-related injuries, accidents, and death, it is an integral part of an overall employee benefit program.

Why is Workers’ Compensation Important for a Church?

Even if your church’s operations are mostly based indoors or on-premises, your employees can still fall ill, sustain an injury, or experience an accident.

This doesn’t only put the employee through significant physical and mental trauma but can also land them in financial trouble. If the employee in question is unable to report to work due to their physical condition, it can cause them to lose their income. If the incident is severe, the employees could also lose their life and leave dependents behind.

Without workers’ compensation insurance, it falls onto the church to cover employee treatments, lost wages, or dependent expenses. But if you have the coverage in place, you can take comfort in the fact that your insurance provider will take care of your employee’s needs without damaging the church’s savings.

It is Mandatory in Some States

Seeing how vital workers’ compensation is for employees and organizations alike, some states have made it mandatory for all workplaces to have this insurance policy in place. This also includes entities such as churches and ministries.

These state laws differ by each jurisdiction. In some places, you should have a certain number of employees before the requirement applies to your church. In other areas, you should have workers’ compensation in place regardless of your team's size.

To comply with local laws, you must get workers’ compensation insurance. Even in instances where the policy is not mandatory, you should still purchase it to steer clear of financial troubles.

It Gives Employees a Sense of Assurance

Like many other organizations, a church also depends on its employees to maintain its day to day operations.

Without a dependable team that could consistently look after your church’s property, gatherings, and transportation, your daily activities are prone to experience a disruption. In the long run, this could affect your local community and also affect your overall reputation.

To hire a reliable workforce, you also need to have certain protections that could give your employees the peace of mind they need out of a job. Workers’ compensation insurance is a big part of these employee protections and allows your workforce to continue performing their duties without worrying about uncertain times.

To protect your employees and church from an unnecessary burden, your church must have this policy. This is why you should make it a point to reach out to a credible provider and learn more about their process.

Insurance Packages for Churches In Georgia

Make sure that your church is protected. Learn more about our insurance services for churches in Georgia , including umbrella liability , business automotive , and church packages to protect your organization. Contact us today to chat about how we can help your church obtain great coverage to safeguard your ministry.

The Three Most Common Types of Church Claims in Georgia

andrew@faithworksmarketing.com (Andrew Spikes) — Mon, 13 Jul 2020 19:48:39 GMT

The Three Most Common Types of Church Claims in Georgia

With a population that comprises 79 percent of Christians, the State of Georgia is home to thousands of churches and religious institutions. Seeing that even places of worship need financial security, almost all of the churches in the Peach State regularly use insurance as a protection model.

In the long run, insurance claims help churches protect their assets against unforeseen damages. This also ensures that they can steer clear of financial troubles that stem from unfortunate events.

To help you understand how churches in Georgia utilize insurance as a protective measure, here are the three most common types of church insurance claims in the state and how they are resolved through popular insurance policies.

Claim 1 Water Damage

Water damage is one of the most common issues faced by all types of properties. This damage can arise from various underlying problems. But whenever it rears its head, it often indicates extensive repair and restoration costs. With this in mind, it’s no wonder why water damage is one of the most successful insurance claims filed by churches in Georgia.

This claim often includes but is not limited to:

Leaking pipes.
Frozen plumbing.
Growth of mold.
Building decay.
Furniture damage.

Since water damage can cause massive destruction to a property and its contents, it often brings a world of worry for churches. But having property insurance that covers water damage issues helps them make their way through this stressful situation.

If the church’s building or any related property such as altar ware is affected by water damage, property insurance can help the institution recover its losses. This is why most churches deem it essential to have property insurance as a protective measure.

Claim 2 Accidents and Injuries on Premises

Filing claims for accidents and injuries on-premises is yet another common church claim in Georgia. While seeking coverage for these insurance claims, churches are looking for protection against damages that may result from personal, mental, or physical injury of attendees or employees.

Since liability insurance directly relates to personal and property damage claims by third-parties, it deems helpful in various scenarios that arise out of accidents and injuries.

Conversely, employee insurance ensures that any workplace accidents experienced by an employee are covered under the policy. This saves churches from any additional burden on their accounts while also providing optimal protection to employees.

The larger the church, the more accidents and injuries can happen regularly. This is why churches often turn to liability insurance and employee insurance to settle common injury claims, which helps them protect their stature, reputation, and finances.

Claim 3 Theft and Burglary

Another common type of church claim in Georgia relates to theft and burglary. Even with churches being a place of religious protection, their buildings, vehicles, and premises are not completely safe from malicious parties. During these incidents, churches can lose valuable property, which could be difficult to restore without proper protection.

In these cases, property insurance again proves to be of help and allows churches to cover their damages easily. To ensure that they are protected in the theft and burglary cases, every church’s administration should ensure that they are buying a comprehensive property damage policy that offers coverage in such a difficult situation.

The process to file claims for theft and burglary is a little more intricate, since it often involves extensive police investigation. However, with the help of a reliable insurance company, it doesn’t get too daunting for a church’s administration.

Depending upon the church's size and needs, an insurance company may offer pre-packaged plans to cover the most common types of claims from the get-go. But if a church needs specific information on a certain kind of insurance, its management can also ask for them at the time of purchasing the policy.

Learn more and Protect Yourself from Potential Liabilities

Institutions of all types must be aware of potential risks and have a proper plan to prepare for unexpected but probable events. Reach out to us at Church Insurance Man to determine how you can take advantage of insurance policies to minimize your risk, including workers’ compensation, business automobile coverage, umbrella liability, and church packages.

Make the most of the season by following these simple guidelines

andrew@faithworksmarketing.com (Andrew Spikes) — Mon, 13 Jul 2020 19:14:04 GMT

The new season is a great reason to make and keep resolutions. Whether it’s eating right or cleaning out the garage, here are some tips for making and keeping resolutions.

Make a list

Lists are great ways to stay on track. Write down some big things you want to accomplish and some smaller things, too.

Check the list regularly

Don’t forget to check in and see how you’re doing. Just because you don’t achieve the big goals right away doesn’t mean you’re not making progress.

Reward yourself

When you succeed in achieving a goal, be it a big one or a small one, make sure to pat yourself on the back.

Think positively

Positive thinking is a major factor in success. So instead of mulling over things that didn’t go quite right, remind yourself of things that did.

Keep in touch with site visitors and boost loyalty

andrew@faithworksmarketing.com (Andrew Spikes) — Mon, 13 Jul 2020 19:14:03 GMT

There are so many good reasons to communicate with site visitors. Tell them about sales and new products or update them with tips and information.

Here are some reasons to make blogging part of your regular routine.

Blogging is an easy way to engage with site visitors

Writing a blog post is easy once you get the hang of it. Posts don’t need to be long or complicated. Just write about what you know, and do your best to write well.

Show customers your personality

When you write a blog post, you can really let your personality shine through. This can be a great tool for showing your distinct personality.

Blogging is a terrific form of communication

Blogs are a great communication tool. They tend to be longer than social media posts, which gives you plenty of space for sharing insights, handy tips and more.

It’s a great way to support and boost SEO

Search engines like sites that regularly post fresh content, and a blog is a great way of doing this. With relevant metadata for every post so search engines can find your content.

Drive traffic to your site

Every time you add a new post, people who have subscribed to it will have a reason to come back to your site. If the post is a good read, they’ll share it with others, bringing even more traffic!

Blogging is free

Maintaining a blog on your site is absolutely free. You can hire bloggers if you like or assign regularly blogging tasks to everyone in your company.

A natural way to build your brand

A blog is a wonderful way to build your brand’s distinct voice. Write about issues that are related to your industry and your customers.

Tips for writing great posts that increase your site traffic

andrew@faithworksmarketing.com (Andrew Spikes) — Mon, 13 Jul 2020 19:14:02 GMT

Write about something you know. If you don’t know much about a specific topic that will interest your readers, invite an expert to write about it.

Speak to your audience

You know your audience better than anyone else, so keep them in mind as you write your blog posts. Write about things they care about. If you have a company Facebook page, look here to find topics to write about

Take a few moments to plan your post

Once you have a great idea for a post, write the first draft. Some people like to start with the title and then work on the paragraphs. Other people like to start with subtitles and go from there. Choose the method that works for you.

Don’t forget to add images

Be sure to include a few high-quality images in your blog. Images break up the text and make it more readable. They can also convey emotions or ideas that are hard to put into words.

Edit carefully before posting

Once you’re happy with the text, put it aside for a day or two, and then re-read it. You’ll probably find a few things you want to add, and a couple more that you want to remove. Have a friend or colleague look it over to make sure there are no mistakes. When your post is error-free, set it up in your blog and publish.