Valuable Information to Help You Protect Your Ministry
Some of my fondest memories growing up are associated with attending youth group activities at my church. As with most people, when strolling down memory lane, I am filled with laughter and astonishment at some of the things I did. Many of these outlandish experiences are the result of amazingly wacky ideas dreamed up by my youth pastor. Strobe light pillow fights, pitch black hide n' seek, and blind volleyball are just a few examples of my childhood.
The nature of ministries is promote events to bring in the public. While these events are great fun for your congregation, there are some potential risks associated you should be aware of. Knowing how to navigate and prepare for these exposures to your ministry when planning an event can make all the difference in its success.
Having worked with hundreds of Churches dare we say we've seen it all? *knocks on wood* Perhaps we haven't dealt with every scenario imaginable, but we have handled a variety of events. Based on some of these ministries events I secretly think my former youth pastor is on the interwebs blogging his divine event-spiration.
An important thing to note is that while you have insurance for your ministry, some events may require you to purchase additional coverage. Whether the carrier requires additional premium for the exposure or you need to purchase an event policy, the purpose is to provide separate limits and specific coverage that the currently policy is not intended to provide. Insurance carriers assess your ministry and extend coverage based on standard church risks. They expect to offer coverage on your facility if there is a wedding, a fellowship, a ladies scrapbooking event, etc. However, they were not anticipating you giving hot air balloon rides, having monster truck races, motorcycle jumping, sky diving, archery camp, or covering the church lawn in bouncy houses. I know what you're thinking, and the answer is yes, we have had our ministries attempt to do all of the above. While we are not suggesting you pick up a bow and arrow and recreate the hunger games, we do want you to be aware of what coverage you may need when planning your next event.
So how do you know if your latest brainchild already has coverage in place? Simple. Call us and ask! We will advise if that is a standard coverage on your current policy or we will help you get the event coverage that you need in place.
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