Ministry Risk Management

Religious and Faith Based organizations are unique risks which affect many lives within the communities they serve. MFG understands these exposures and has the experience to tailor a program designed to fit your organizations unique needs. For your risk transfer resource, contact a MFG risk consultant for more information about developing or enhancing your risk management program. Some of our specialty coverages include (but are not limited to): Employment Practices Liability, Directors & Officers, Fiduciary Liability, Special Events, Volunteer Employees, International & Travel Accident, Misconduct Liability & Abuse Insurance.

MFG Insights

    We are proud to be affiliated with many associations and denominations including several United Methodist Church groups, Catholic Marketing Network group, and Evangelical Christian Publishers Association.

    Churches and other houses of worship have a variety of exposures not limited to worship services. Some provide rental hall operations of their facilities for events such as wedding receptions; others sponsor sports and athletic teams, events and programs. There may be extensive youth programs and missionary trips may be sponsored within the U.S. or in foreign countries.

    Property exposure is significant due to the building being unoccupied the majority of time, which can encourage vandalism or break-ins. Small fires can quickly get out of control when no one is on premises. There may be cooking facilities for community events. The fire hazards and controls for ranges and ovens need to be checked and evaluated. Many churches have installed sound systems that are attractive to thieves, as are computers and other office equipment, video devices and musical instruments. Some churches, particularly older ones, have ornate woodwork, built-in pipe organs or stained glass windows that may be expensive to replace in the event of a loss. Smoke alarms and burglary alarms are recommended due to the long hours of nonoccupancy.

    Premises exposure is moderate due to the large number of visitors to the premises. Facilities must be neat, orderly and well maintained. All public and life safety standards must be met. Parking areas should be maintained free of snow and ice during the winter months. All operations should be reviewed to ensure that adequate supervision is in place.

    Additional exposures to consider evaluating with our risk consultants are: Crime, Inland Marine, Professional, Automobile and Workers Compensation (varies by state). Churches and other religious organizations may take on a variety of ministries. These are unique and require separate review. Consider the type of ministry and then review the narrative that would fit that operation.

Any Questions? How can we help?