Moyer & Moyer Insurance Blog

Becky Moyer

Religious Expression for Your Church

lc nov11rec
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, review...
Continue reading
BJ Moyer

Safety Tips

dec23 lc ChristmasPews
As 2015 comes to a close, we hope you are looking forward to a bright future in 2016. Each year at this time, we remember all we’re thankful for, think of goals and aspirations for the coming months and celebrate the holidays with those we love around us. From all of us at GuideOne Insurance, we wish you a very happy holiday and a blessed 2016.   10 Safety Tips for 2016 As the New Year approaches and we say goodbye to 2015, it’s time to begin preparing for your church’s safest year yet. There are a number of ways your organization can ensure its safety on a daily basis, and it can seem overwhelming to remember every detail. To help get you started, below is a list of 10 safety tips to remember when inspecting and evaluating your facility, both internally and externally. Maintain sidewalks to prevent slips and falls...
Continue reading
Becky Moyer

The Most Common Church Claims

securitycamera600w
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 church...
Continue reading
BJ Moyer

Avoid Water Damage This Spring Season

lc march11meltingSnow
Spring is quickly arriving, which leads to heavy rain and rapid snow melt. These conditions oftentimes bring flooding to our local communities. Floods serve as the most common hazard in the U.S., as they can affect any area of the country. To see that your building and possessions are protected from spring flooding, consider the following preventative measures: Safeguard your possessions – Important papers and valuables should be moved to a safe, dry place. The best way to protect these items is to create a personal flood file using a safe deposit box or waterproof container. Be sure to include items such as a copy of your insurance policies, critical documents and a facility inventory, a written and visual record of major items and valuables within your facility.   Clean gutters and downspouts – Gutters and downspouts help prevent water from seeping into the soil adjacent to the foundation of your...
Continue reading
BJ Moyer

Eliminate Distracted Driving

lc sept23DistractedDriving
A church leader has many responsibilities, one of which is keeping congregation members safe during church activities. As not all of these activities are on-site, there may be times when driving to an event is necessary. Whether the travel is done in a church-owned vehicle or a volunteer's car, it is the church's responsibility that traveling members arrive at their destination safely. The dangers of distracted driving are evident, and with the increased use of technology, it's easier than ever to lose focus of the road. According to www.distraction.gov , approximately 660,000 drivers are using their cell phones while driving at any given moment across America. Additionally, in 2013, over three thousand people were killed in distracted driving crashes. That's why it's more important than ever to take the proper precautions when driving for your church. Consider establishing a policy for drivers for church-related activities, including prohibiting the use of cell...
Continue reading
BJ Moyer

Terrorism

lc dec9 terrorism
The Threat of Terrorism The November 2015 terrorist attack in Paris, France, and December 2015 mass shooting in San Bernardino, California, has raised awareness about the threat of terrorism by violent extremists. The Department of Homeland Security defines these individuals as those "who support or commit ideologically-motivated violence to further political goals." As places of public gathering without extensive security protection, churches and houses of worship are generally considered "soft targets," much like shopping malls, restaurants, stores and theaters. The Oxford Advanced Learner's Dictionary defines a soft target as "a person or thing that is relatively unprotected or vulnerable, especially to military or terrorist attack." Even in times of tragedy, your church doesn't have to feel helpless against threats of terrorism. A few key actions can help prepare for the threats your organization may face: education, assessment and planning. Education Understand the threat of terrorism, which may vary by the geographical...
Continue reading
BJ Moyer

Slips And Falls

lc dec9 slipfalls
Safety Measures Can Prevent Slips And Falls On Stairs While slips and falls are the top causes of accidental non-fatal injuries in the United States, these accidents also can be fatal. More than 13,000 Americans 65 years and older died as a result of falls in a recent year, and more than 1.8 million had a fall injury resulting in a visit to the emergency room. Falls in particular are responsible for more open wounds, fractures and brain injuries than any other cause of injury, according to the University of Virginia Health System. GuideOne also has found that slips and falls are the number one cause of injuries on church property. These injuries can be the result of numerous factors, including inadequate lighting, poor construction or upkeep, slippery floors, loose floor coverings, housekeeping issues and missing or damaged handrails. The following is an example: A woman grabbed onto a railing while...
Continue reading
BJ Moyer

Holidays

lc nov22holidaylights
Light Up the Holidays this Year with these Electrical Tips With the holidays upon us, it is time to start decorating your building with lights, wreaths and other decorations to display during this time of year. Typically, decorating for the holidays includes the use of lights. Keep these electrical safety tips in mind when decorating your building for the holidays. Indoors or outdoors, only use lights that have been certified by a nationally recognized testing lab, such as Underwriters Laboratories (UL) or Canadian Standards Association (CSA).   Check each set of lights you plan to use, regardless of age, for broken or cracked sockets, frayed or bare wires, or loose connections. Discard or repair any damaged sets prior to using them.   Securely fasten any outdoor lighting to trees, walls or other firm support to protect from wind damage.   Turn off all lights on trees and other decorations when the...
Continue reading
BJ Moyer

Ladder Safety

lc nov22ladder
Climb Your Way to a Safe Winter Season While the use of lights is a common practice during holiday decorating, displaying them on tall roofs, windows and railings can be tricky. When decorating your church, it is important to consider ladder safety. Injuries that occur when using ladders often happen to staff or volunteers who are unfamiliar with the equipment. Being educated on ladder safety can help protect the church and lead to safe holiday decorating. Ladder Selection There are three main types of ladders available: stepladders, straight (single) ladders and extension ladders. Stepladders are non-adjustable in length and should be used at low and medium heights. Single ladders are non-adjustable and can reach higher heights, while extension ladders, which are adjustable, should be used for high elevations, such as windows or roofs. It is always a good idea to use a ladder that is longer than what is required to...
Continue reading
BJ Moyer

Update: Daycare and Nursery Crib Safety

lc sept23Crib
As you may recall from the November 2012 issue of Safety Watch , GuideOne outlined the two phase implementation strategy of the new federal safety standards for full-sized and non-full sized baby cribs. According to the Consumer Product Safety Improvement Act of 2008, these safety standards aim to keep children safer in their cribs and prevent deaths that result from detached crib drop-sides and faulty or defective hardware. As a reminder, a review of the new federal safety standards is below: Effective June 28, 2011, new standards took effect for all manufacturers, retailers, importers and distributors of cribs sold, including resale or leased in the United States. These changes: Stopped the manufacture and sale of dangerous, traditional drop-side cribs; Made mattress supports stronger; Made crib hardware more durable; and Made safety testing more rigorous.   Effective Dec. 28, 2012, organizations were required to replace their existing cribs with ones that met...
Continue reading