Moyer & Moyer Insurance Blog

Church Violence: The Threat is Real

ChurchViolence
Church violence and shootings are becoming more and more common. The calm and relaxed atmosphere and sense of personal have largely been voided with recent violence.  Churches and church leaders have taken the safety of their congregations personal and are investing in a variety of solutions to prevent future violence.  Some of those steps include active shooter training, added security, investment in security systems and cameras, etc.  As a leader or pastor yourself, I think it's important to highlight some additional solutions for this growing problem in our churches.   Communicate with your congregation - Adding security measures are great.  Having a congregation who doesn't know about them, doesn't know how to use them or doesn't understand how they work will provide a little upside in case of emergency.  Keep communication open and encourage your members to reach out and speak their minds.  After all, it's their personal safety they are...
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5 Steps To A Safer Church

5 Steps to Safer Church
Security is obviously a major concern of today’s churches.  Some churches assume more security means more costs and a costly and complicated system and install.  Want some good news? There is a lot that you can do at little to no cost! If your church leadership is ready to make changes and improve safety quickly, here are 5 steps to a safer church: Buy walkie-talkies:  An old-school two-way radio will always be beneficial when compared to a cell phone.  Should you lose signal, a walkie-talkie will still work and allow you to communicate with staff positioned around the building.  Communication is really one of the most important factors in any safety plan. Have a single church entrance:  Place a staff member or usher at the doors and lock them once service starts.  If you are going to have unlocked doors, keep a staff member in place to monitor activity at...
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5 Steps to Reduce Risks of Bursting, Freezing Pipes

water pipes in building
A burst pipe is more than an unpleasant problem; it can also have a devastating financial impact on a property owner. With the average burst pipe claim  costing $15,000, it is vital for homeowners and church leaders to take measures to address freezing pipes. Reduce your risk of freezing pipes bursting in your home or church with the following tips. 1. Make sure pipes in your home or church are properly insulated. Pay special attention to exposed pipes, as they are more likely than other pipes to freeze. Your degree of protection will rise with the amount of insulation you apply, so be careful not to skimp on your insulation, especially if you live in a raised home that is  more prone to freezing pipes . 2. Wrap pipes with heat tape. This can provide added protection to your pipes and can also help counteract the freezing process if it...
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Protecting Your Church from Wildfires

Protecting Your Church from Wildfires
According to National Geographic , an astonishing 100,000 wildfires occur every year. Four out of five of these fires are started by humans. Fortunately, there are many simple safety precautions that you can take to help reduce the chances that a wildfire will occur. Here are several pointers for protecting your church from wildfires: If a group wishes to create a bonfire or campfire, adhere to the following guidelines recommended by the American Red Cross : Only start a fire in an appropriate fire pit. Clear the area of vegetation and create a stone ring before starting a fire. Never leave a fire unattended. Douse a fire with water and smother it with dirt before leaving it. Never start a fire on a windy day. Additionally: Ensure smokers dispose of matches and cigarette butts in a closed container or water. Don't park a hot vehicle in dry grass. Don't spill gas or...
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Preventing Financial Fraud at Your Church: The Importance of Accountability

church cathedral interior
What comes to mind when you hear the words “con artist”? Do you envision the tourist hustler on the street? Unfortunately, this is not always the case, and deceit can also happen in our churches and houses of worship. Could this happen to you? Make sure to take proactive steps to take financial accountability to reduce the risk of trickery at your church. Churches can fall victim to fraud due in part to the internal culture. Good people are more trusting, which leads to a corporate nature of security, forgiveness, and second chances. Take notice if things start feeling out of place and uncomfortable. So, are there preventative measures to take to protect your church financially? Definitely. First, do screen your leaders and prominent members, and select people with high integrity. Second, increase accountability . Safekeep deposits, collections, and funds by ensuring finances are handled, checked, and reported with care by...
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What your Church Must Know about 15-Passenger Van Safety

church van safety
Many churches rely on 15-passenger vans as an economical mode of transportation. The National Highway Transportation Safety Administration (NHTSA) reports that the rollover rate for these vans is higher than for most other vehicles, making 15-passenger van safety an essential topic for any church . Here are some things you can do to reduce your risk of experiencing a rollover. Tires Choose tires that are rated “load range E,” which are capable of carrying heavier loads. Many vans are driven only a few miles each year, but that does not necessarily mean your tires will have a longer lifespan. Replace your tires if they have a tread depth of less than 1/8”, show signs of dry rot, or are more than five years old, whichever comes first. Loading When carrying only a few passengers, have them sit in the front of the van. Rollovers are less likely when weight inside...
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The Latest Safety Trends and Risks for Churches in 2017

latest safety trends and risks for churches
Besides the ever-present liability from accidents that a church needs to protect against, let's discuss 4 more timely areas. The third and fourth originate from the very latest human "advances". 1. Violence From Outside...And Within Today's increasing violence has touched places of worship more than ever. Garden-variety vandalism, faith-originating terrorism, domestic violence involving church attendees while at church, areas where people can legally bear arms: these are complex issues where insurance protection needs to be decided.     2. Sexual Abuse Claims Prevention: While impossible to prevent all such claims, background checks on all workers and volunteers could derail problems. Also, training all church personnel on proper and improper dealings with anyone associated with the church is extremely wise.  Response to allegations: How you answer any charges is as crucial as prevention. Empathy for a victim without admitting unjustified guilt is the task you'll face.  3. Surveillance, Data, And Privacy...
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Handling a Church Liability Claim: Best Practices

Church Liability Claim Best Practices
Unfortunately, accidents happen. If an accident happens in your church, the church may receive a liability claim. "Liability" refers to fault in the legal sense. If someone trips and falls on the church stairs and breaks a leg, for example, the church may be liable. However, it is important to follow best practices in the event of an accident. Liability claims may not be reasonable if, for example, it had begun to snow just a few minutes before and the custodial staff had not had time to make the steps clear. Here are the steps to follow when HANDLING A CHURCH LIABILITY CLAIM . Report the incident. Report it first to your insurance adjuster and then to the proper authorities (police, fire, etc.) Gather all relevant material for an insurance claim. Get names and contact information of all parties and any witnesses. The church will need to report all of...
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Outdoor Church Activity Safety Checklist for Activities

Outdoor Church Activity Safety Checklist
With the coming of Spring, Summer, and the warm months of Fall, outdoor church activities become much more prevalent. Barbecues, picnics, volleyball, and other games. It's important, though, to not let fun and fellowship make safety take a back seat. You need to have an outdoor church activity safety checklist to ensure safety of the grounds and anyplace you may go. To Prevent Slips and Falls: Do not drape cords from speakers or microphones over trees or walkways. If you absolutely must place them over a sidewalk, put brightly colored tape over them. Walk through grassy areas. Are there holes or dents? Have them filled if so. Any folding tables or chairs need to be very sturdy and well maintained. Make sure tent stakes and posts are in excellent condition. To Prevent Fire: Any open flames are dangerous to children and pets. Keep them at least 3 feet away from...
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Project your Church from Thunderstorm Damage

Protect Your Church From Thunderstorm Damage
Ah, spring time. The days are getting longer, the birds are singing, the plants are blooming. We wait all winter for these warm, beautiful days where we can finally feel the rays of the sun upon us. But don't become too complacent in the glow of the sunshine, for spring also means dangerous thunderstorms. Luckily, there are some basic ways to prepare your church in advance of thunderstorms. Make your church as storm proof as possible to minimize damage when the weather inevitably turns sour. Take stock of the amount of trees around your church. Scan each tree for broken and dead limbs. Each dead branch removed from a tree reduces the risk of sustaining tree damage to your church in high winds. Next, inspect the roof of the church. Notice any loose or broken shingles? Such a seemingly small issue like a loose shingle can suddenly become a huge...
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