Protect Your Board Members

Serving as a board member or officer often inspires a special sense of responsibility for many who serve in such a role at their church or related ministries. That responsibility, however, also carries with it certain financial risks connected to the outcome of board actions. For example, a board member or ministry officer could face personal liability for a variety of damage claims, some of which include:

  • Failing to maintain adequate financial records
  • Developing and applying membership standards that favor one group or individual over another
  • Exceeding the authority that the organization’s charter or bylaws grant to the board
  • Using budgeted or donated money in a manner different from the originally designated purpose
  • Failing to preserve the church or ministry’s tax-exempt status

In most cases, standard general liability insurance policies don’t cover claims against directors or officers resulting from failure to perform their duties. Churches and ministries must purchase separate liability coverage to protect ministry leaders from financial damage claims.

Why Purchase D & O Insurance Coverage?

Although many states have enacted legislation providing some protection for directors and officers of not-for-prof´╗┐it organizations, your church or related ministry should have D & O insurance protection for several reasons:

  • D & O insurance provides defense funds to refute a claim or to prove immunity under the state law.
  • Although your state may have legislation protecting not-for-profit directors and officers from lawsuits, a covered claim may fall outside the protection of the state statute.
  • D & O coverage usually includes the organization as an insured; state immunity statutes often don’t.
  • If state laws don’t protect your ministry and its board, and someone brings a successful suit against you, D & O insurance pays covered financial damage claims that directors and officers are legally responsible to pay.

Check with your insurance agent to learn more about how this valuable coverage can protect your ministry and its leaders.

November 7, 2023
Stop Plumbing Leaks with FloLogic
Stop Plumbing Leaks with FloLogic

Water and the damage it brings can be one of the most devastating property claims a ministry or organization can experience. Fortunately, there's a solution that identifies leaks when they start, as small as 1/2-ounce-per-minute. It's called FloLogic.

Tags: plumbing, leaks, water damage, prevention
September 7, 2023
Increasing Donor Trust
Increasing Donor Trust

The ability to inspire others to give is a blessing. Because fundraising can be both exciting and challenging, there are some important details to consider that can help your donors, and organization, have a smooth and successful experience.

Tags: ministry, insurance, donor
July 31, 2023
What to Know About Loaning Your Ministry Vehicle
What to Know About Loaning Your Ministry Vehicle

Has your church or school ever been asked to loan or rent one of your vans or buses to another ministry? Rather than running the risk of loaning or renting your own vehicle, you could consider aiding them financially in renting or chartering a vehicle from a rental agency.

Tags: ministry, protection, insurance, car insurance, renting, safety, travel
May 10, 2023
Save Money With One Change
Save Money With One Change

A periodic review of your insurance policy is a good way to make sure your ministry is protected for its most current needs, but it also may offer the opportunity to find some significant savings.

Tags: ministry, protection, insurance, property, protection, high deductible
March 14, 2023
Responding to Mission Issues
Responding to Mission Issues

Having insurance coverage specifically designed for long-term international missions helps protect your people and organization from the financial impact caused by injuries, lawsuits, property damage, and more.

Tags: ministry, protection, insurance, property, risk, protection, mission insurance, mission travel, kidnapping, volunteers
January 30, 2023
Brotherhood Mutual Foundation Kingdom Advancing Grant
Brotherhood Mutual Foundation Kingdom Advancing Grant
Tags: ministry, protection, insurance, property
January 9, 2023
Better Achieve Your Mission in 2023
Better Achieve Your Mission in 2023
Tags: ministry, protection, insurance, property
November 10, 2022
Evaluate Your Ministry's Fire Safety Plan
Evaluate Your Ministry's Fire Safety Plan

With the holiday season right around the corner, it’s wise for ministries to evaluate their fire safety plan. Whether your ministry is hosting a holiday party, prepping treats for charity, or running a community kitchen, make sure you’re well-prepared with these tips.

Tags: ministry, protection, insurance, volunteer safety, fire safety, property, emergency
September 9, 2022
School is Back in Session
School is Back in Session

As school is back in session, it’s important to make sure your school is equipped with the correct safety procedures. Thinking about your school’s physical security as a series of layers can help you find gaps in your plan. Transportation and volunteers are just two important aspects of your school safety plan to think about.

Tags: ministry, protection, insurance, liability, christian schools, back to school, volunteer safety, child safety, transportation
July 15, 2022
Shepherding Ministries in a Time of Change
Shepherding Ministries in a Time of Change

Anyone who turns on the news, flips through a magazine, or browses the web can see that American society and culture are experiencing rapid transitions. Some ministries have valid concerns that issues surrounding societal shifts may expose them to negative publicity, governmental scrutiny, or litigation.

The questions become: when and how can ministries operate within their deeply held religious beliefs when they may conflict with others’ rights?

Tags: ministry, protection, religious freedom, insurance, liability
May 19, 2022
Five Common Tricks of Cyber Scammers
Five Common Tricks of Cyber Scammers

Cyber security is increasingly crucial in our technologically advanced world. Scammers use many schemes when attempting to steal your data, but you can outsmart them by understanding their methods.

Tags: ministry, cyber security, technology, data, protection
July 22, 2021
Thousands in Relief Funding Available to Ministries Through the Employee Retention Credit
Thousands in Relief Funding Available to Ministries Through the Employee Retention Credit

Most ministry leaders don’t realize there is funding available to non-profit employers including churches, schools, colleges, and camps. This post includes some highlights about the credit and guidance on where to start to see if your ministry is eligible.

Tags: ERC, tax credit, payroll
March 16, 2021
Prepare for Severe Spring Storms Now
Prepare for Severe Spring Storms Now

When severe storms strike, they can produce high winds and tornadoes. Damaging winds can wreak havoc on your ministry’s property and to buildings. A high wind event can crash debris through your windows, strip your siding, down trees on your parking lot, peel shingles off your roof, and fling back the flashing.

Tags: weather emergency, lightning, storms, safety, protect
February 25, 2021
Catalytic Converter Theft on the Rise: Protect Ministry Vehicles
Catalytic Converter Theft on the Rise: Protect Ministry Vehicles

Thieves are taking advantage of soaring precious metal prices. Take steps to protect your ministry’s vehicles and property.

Tags: protect, theft, vehicle
February 5, 2021
Avoid Frozen Pipes as Temperatures Plummet
Avoid Frozen Pipes as Temperatures Plummet

As temperatures plummet, the risk of freezing pipes soars. Frozen pipes can cause costly messes that could also put your ministry on hold while you clean up.

Tags: frozen, building, pipes, prevent damage
November 23, 2020
COVID-19 and the Christmas Season
COVID-19 and the Christmas Season

Preparing for this Christmas season may require additional creativity, due to the uncertainty of what COVID-19 may bring in our local community.

Tags: COVID-19, health, health safety, protect, coronavirus, Christmas, risk management
October 28, 2020
Guidance for Ministries About Boy Scouts' Bankruptcy
Guidance for Ministries About Boy Scouts' Bankruptcy

A mid-November deadline in the Boy Scouts of America’s (BSA) bankruptcy proceedings may have you wondering what the organization’s bankruptcy filing means for your ministry if you ever hosted or chartered Boy Scout Troops.

Tags: coverage, protect, liability, damages, youth
October 1, 2020
Applying for PPP Loan Forgiveness
Applying for PPP Loan Forgiveness

Organizations that obtained Paycheck Protection Program (PPP) funding through the CARES Act can have their loans forgiven, turning them into grants. To qualify, each borrower must file a forgiveness application with its PPP lender, proving that it followed the rules. If your church, school, college, or camp meets all the criteria, 100% of its loan can be forgiven.

March 31, 2020
CARES Act: Churches Need to Apply Now
CARES Act: Churches Need to Apply Now

Learn about the CARES Act and two loans for which ministries may be eligible, since Congress authorized additional funding April 23. 

March 6, 2020
Coronavirus and Your Ministry: Tips for Prevention
Coronavirus and Your Ministry: Tips for Prevention

As concern over the dangers associated with the spread of a new coronavirus, COVID-19, spreads, our agency and Brotherhood Mutual want to keep you informed and provide best practices for managing the spread of this and similar illnesses at your ministry.