Churches often ask us “do we really need a workers comp policy?” Do all churches need worker’s compensation insurance? The short answer is yes. Florida Law Florida law doesn’t require workers comp on entities with less than 4 employees. The law does, however, require an employer of any size pay lost wages and medical bills…
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COVID-19 has forced major changes in the ways churches interact. We all agree that some new ways will remain even after the pandemic and that the church community is eager to reunite on campuses nationwide. Prepare to reopen the church after COVID-19 with a thorough assessment of sanitation, sound and security. You want your church…
Read MoreIf you are considering new construction at your church, school or nonprofit, then you are likely exploring EIFS. EIFS is a common construction material here in Northwest Florida because of its affordability. In church insurance, EIFS costs thousands of dollars in extra premiums and claims every year. As a property owner, it’s important for you…
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While we’ve covered concealed carry in churches in past blogs, current events call for an update. Our goal is to stay on top of the latest education and resources to bring you the same. Our partnership with carriers like GuideOne Insurance gives us access to many tools. Likewise, GuideOne Insurance provides these directly to clients,…
Read MoreMany churches are looking to bring their physical and online communities together. Building a strong online presence is a true church growth strategy with church apps, social media platforms and giving tools being just a few of the ways churches are getting it done. Here are some tips on church internet security for 2020 from…
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With 2020 upon us there is no doubt that your church has many exciting goals in mind. Is a brush-up on “cyber security” on this list? Probably not, and we understand that. At Beacon Insurance Agency, we know firsthand how busy church leaders are. It is also daunting to make sense of all the new information…
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Beacon Insurance has provided education on fire prevention in churches in past blogs. But what are some first things you should do in case of a church fire? Lightning and an increase in seasonal bonfires, candles and the like all make churches more vulnerable to fires. In fact, one of our very own churches here…
Read MoreAlong the Florida Gulf Coast, we are all too familiar with severe weather. In fact, it seems like yesterday that Hurricane Michael wreaked havoc on the Florida Panhandle; many churches are still rebuilding. At Beacon Insurance Agency, our mission is to help you before, during, and after severe weather. To Do Now: Secure Important Records…
Read MoreAccording to Richard Hammar of Church Law and Tax, church sexual abuse is the #1 risk to churches today in terms of damages. In his recent webinar, “Child Abuse: Emerging Trends to the Biggest Legal Threat to Churches” it was clear that when it comes to church sexual abuse prevention, a sexual misconduct policy is…
Read MoreJune 28th is National Insurance Awareness Day, established as a day every year to pause and review your commercial insurance policy. Every commercial insurance policy is reviewed at renewal time. But, when are some other times you will want us to provide a review of your organization’s property and general liability policies? Ask the following…
Read MoreWith churches operating at bare capacity during the virus, it’s a given that there are unused church buildings. Follow the below steps to put your church in the best shape to return without a loss related to closed structures. 1. Turn off the water mains.Prevent potential water leak damages by turning off the water to…
Read MoreIs your church eligible for the PPP or EIDL Program? Is your church eligible for the Paycheck Protection Program (PPP) and the Economic Injury Disaster Loan Program (EIDL)? The answer may be yes. The following document from the SBA gives detailed…
Read MoreAmid the coronavirus pandemic, churches nationwide have many questions. Church Law and Tax put together this informative video hosted by Richard Hammar. Access the video by clicking the link below. https://www.churchlawandtax.com/web/2020/march/four-issues-church-leaders-should-note-about-unfolding-coro.html?jwsource=cl
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