Moyer & Moyer Insurance Blog

15-Passenger Van Update

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Feb. 25, 2015 Earlier this month, the Boy Scouts of America announced that, effective Sept. 1, 2015 , 15-passenger vans manufactured before 2005 will no longer be allowed in connection with Scouting programs and activities. The Boy Scouts determined that the rollover risk posed by 15-passenger vans manufactured before 2005 are such that they should not be used. According to the announcement, 15-passenger vans manufactured after 2005 may be used as long as they are equipped with electronic stability control and seat belts for all passengers, including the driver. Selection and training of drivers, seat belt usage, and following manufacturers' recommended tire pressure and load range (E) are all important safeguards for these extended body vans. This announcement by the Boy Scouts is significant because it recognizes the continued danger posed by 15-passenger vans, particularly older vans. These vehicles already cannot be sold for use by schools. Churches and other...
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Older Employees

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Aging Workers: Ensure Their Safety In conjunction with the general aging of the population, many employees and volunteers are working for your church beyond traditional retirement benchmarks. Older people today are more active than in previous generations and have a desire to remain productive. Because they are remaining active, they also are staying healthier. As we continue to see the number of older workers and volunteers increase as the Baby Boomers move into retirement, we encounter new challenges to keep them safe and free from injuries. Whether you have an aging custodial staff, elderly volunteers working in your daycare center or older workers volunteering on an urban renewal construction site, SafeChurch offers the following tips for protecting older employees and volunteers. Pre-Placement Screening Utilizing the services of an occupational physician to evaluate the physical capabilities of job applicants serves two purposes. First, the screening identifies applicants who appear healthy but...
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#thankyourpastor This October– Pastor Appreciation Month

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Within a church, congregation members, staff and volunteers regularly look to the pastor for leadership and guidance. These individuals deserve more than a 'thank you' every Sunday morning. GuideOne Insurance is committed to serving religious organizations and pastors, and recognizes the importance of taking a moment to say thank you to those holding this vital church role. For everything they do, October has been designated Pastor Appreciation Month. This is a time for individuals and groups to express their thanks and gratitude for their church leader. Saying thank you is easy, especially with the tools, tips and free downloads available on GuideOne Connections . To offer congregations the opportunity to publicly express their thanks and display the great dedication given by pastors, GuideOne is hosting a pastor appreciation contest and social media campaign. By using the hashtag #thankyourpastor on social media, or by emailing This email address is being protected from spambots. You need JavaScript enabled to view it. , you can submit your...
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What Happens When Your Church is Subject to a Liability Claim

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Accidents happen; it's inevitable. And when those accidents occur, it can be a scary time for both the injured party and the church. When such events take place and the injured party files a claim against the church, it's called a liability claim. Liability is the legal term for fault. A liability claim is a demand for money to compensate someone for his or her injuries or damages. Oftentimes, these claims are presented by the injured or damaged party to the potential party at fault in the form of a lawsuit. An organization (church) is responsible for such injuries if they are proven negligent. What happens when a claim is filed against your church? Before you react, consider the tips below. Make no admissions of liability . Do not acknowledge or deny responsibility when an accident occurs. Tell the injured party that your church will report the incident to its...
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Religious Expression for Your Church

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As a church, your organization has the freedom to develop its religious practices based upon its doctrines and beliefs. However, there may be occasions when the practice of religion conflicts with a person's individual interests, such as when a person outside the church with views antithetical to the church wishes to hold an event in a church building. When this occurs, individuals may claim emotional injury. One's emotional distress can be caused by a number of factors. Therefore, it is difficult to determine how your organization can prevent every potential emotional injury liability claim. Fortunately, there are steps your church can take to provide a level of protection. First, understand your rights as a church and the laws regarding religious exemptions in your state. Depending on the claim, the U.S. Constitution offers protection for religious organizations and their faith-based beliefs, while other claims may be protected by state law. Second,...
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The Most Common Church Claims

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The Most Common Church Claims  And How to Protect Against Them If your church is like many others, it probably has a limited budget, the staff is busy with ministry activities and it is difficult to take on additional responsibilities. This can be an issue when it comes to risk management, improving safety for congregants and enhancing your facility's security. Over the last several years, the most common causes of loss in a church are as follows: Storms;   Falls;   Water damage;   Theft, burglary and vandalism;   Accidental fires;   Lightning and electrical surge damage;   Recreational activity injuries;   Arson;   Sexual misconduct incidents; and   Maintenance injuries. The good news is with little or no extra money, the leaders of your church can make dramatic improvements in the way they protect people and the property. The only requirements are a commitment to safety and security by...
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Introducing ChurchHub: A New Way to Connect to Your Church

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Shared Values // Ellen Wade on Thursday July 16, 2015 Churches today face a lot of challenges, operating on small budgets and with even smaller staff sizes. It’s a struggle for many organizations to find time for day-to-day tasks among their regular ministry duties.  And yet, churches have many of the same needs as for-profit businesses, including support for administration, marketing, internal communications, information technology and more. Now, GuideOne is introducing a new app for its policyholders, called ChurchHub, to help make many of these challenges easier.  Requiring very little technical skill, ChurchHub gives churches a fast, easy and inexpensive way to connect with their current and potential members anytime, anywhere.  Available on both Android and Apple devices, ChurchHub includes a content management system that allows each church to incorporate their own branding and images. And, they can easily add, remove and update content on their own at any time....
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Supreme Court Ruling on Same Gender Marriage

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On June 26, 2015, the United States Supreme Court issued its ruling in the case of Obergefell v. Hodges , which involved two questions regarding same gender marriage: (1) Does the Constitution require a state to license a marriage between two people of the same sex; and (2) Does the Constitution require a state to recognize a marriage between two people of the same sex when their marriage was lawfully licensed and performed in another state. In Obergefell , the Court answered the first question in the affirmative, and recognized for the first time a constitutionally protected right of same gender individuals to marry. This ruling has the effect of overturning the laws of those states that define marriage as the union of one man and one woman. In response to the second question, the Court held that states must recognize a marriage between two people of the same sex...
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Institute For Church Management

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As you know, we are a sponsor of the Institute for Church Management through Miller Management Systems.  The Institute seeks to bridge the gap between a solid foundation of theological education and the practical, day to day management skills needed to be effective in ministry. “Financial Accountability – Raising the Standard of Financial Fraud in the Church”   Thursday, July 16, 2015   Offered at two times 9:00 am – Noon or 6:00pm – 9:00pm   (please specify which time you want to attend when you respond)   Lenexa Baptist Church   15320 W. 87 th St. Pkwy.   Lenexa, KS 66219 Financial fraud destroys trust and diminishes ministry impact. This course will guide you through the process of creating strong internal controls to prevent fraud in your ministry. The cost of the workshop is $25 and you can register at: http:/www.mmsmidwest.com/training .  Thank you.

Workers' Compensation: Who is CorVel®?

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If you have workers' compensation coverage through GuideOne Insurance, you have likely heard or seen the CorVel name. As a policyholder, you may question whether CorVel and GuideOne are the same. The two companies are different; however, GuideOne utilizes the services of CorVel in many aspects of the workers' compensation claim handling process to help manage the risk once an on-the-job injury has occurred. Panel Posters – If you are in a state that allows an employer to direct the medical care of an injured employee, it is likely that you have received a poster of suggested medical providers. These providers are from the CorVel Network and are knowledgeable about workers' compensation guidelines and standards of care. When an employee seeks treatment within the CorVel Network, additional savings are obtained when the bill is processed. Bill Review and Payment – All medical bills related to a workers' compensation claim are...
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