Employees, Volunteers, and Insured’s
Workers Compensation
Abuse and Molestation coverage
Blanket additional insured for funding
Medical payments for volunteers included
PROPERTY
Blanket limits available
Special Causes of Loss coverage
Equipment Breakdown coverage
Agreed Amount available with signed statement of values/property appraisal
Ordinance or Law coverage - included up to building limit
Forty-two additional coverage/extensions
UMBRELLA/EXCESS LIABILITY
$1 Million - $20+ Million Excess Coverage’s Available . Large Excess Limits available
AUTOMOBILE
Owned/non-owned/hired auto
Employees and Volunteers as Insured’s coverage
Hired car physical damage
CRIME AND FIDELITY
Employee Theft/Forgery
Money and Securities
DIRECTORS & OFFICERS LIABILITY
Defense costs in addition to the Limit of Liability
Most favorable venue wording for punitive, multiple or exemplary damages
PROFESSIONAL LIABILITY
Covers students in training
Occurrence or claims-made forms available
Primary or contingent liability included for employed, contracted, or volunteer physicians and dentists.
Also at McClure Insurance Services we will learn about your ministry's activities and identify risks. We will establish values for your buildings based on current construction costs to help ensure that you're adequately covered.
We will also look through loss controls and loss management. When we look to insure you, we have this checklist in place:
Cyber Liability - What is this type of coverage exactly you may ask? Cyber liability insurance is intended to cover a variety of both liability and property losses that may result when a business engages in various electronic activities, such as selling on the Internet or collecting data within its internal electronic network. Most notably, but not exclusively, cyber and privacy policies cover a business' liability for a data breach in which the firm's customers' personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm's electronic network. Our policies cover a variety of expenses associated with data breaches, including: notification costs, credit monitoring, costs to defend claims by state regulators, fines and penalties, and loss resulting from identity theft.
In addition, the policies cover liability arising from website media content, as well as property exposures from: (a) business interruption, (b) data loss/destruction, (c) computer fraud, (d) funds transfer loss, and (e) cyber extortion.
Cyber and privacy insurance is often confused with technology errors and omissions (tech E&O) insurance. In contrast to cyber and privacy insurance, tech E&O coverage is intended to protect providers of technology products and services, such as computer software and hardware manufacturers, website designers, and firms that store corporate data on an off-site basis. Nevertheless, tech E&O insurance policies do contain a number of the same insuring agreements as cyber and privacy policies.
Some newer coverage’s….
Counselors Liability — Provides coverage for any actual or alleged negligent act, error or omission, resulting in an injury that arises out of counseling services conducted by a licensed or fee-based counselor within the scope of their duties for your religious organization.
Sexual Misconduct Liability — Sexual Misconduct coverage protects a church from legal liability arising from acts of sexual misconduct by a staff member or volunteer. Limits based on qualifications.
Employee Benefits Liability — Provides coverage for your legal liability for injury to the rights and interest of employees or their beneficiaries arising out of improper advice, error or omission in the administration of employee benefits programs.
Corporal Punishment — Provides coverage for legal liability arising out of the administration of corporal punishment. Coverage subject to qualifications.
Schools — The following optional medical coverages are enhancements to the medical coverage provided under general liability:
Day Nursery Medical —Provides excess payments of medical expenses for accidental injury to any person being cared for at any Day Nursery owned or operated by you or on your behalf.
Student Medical — Provides excess payments of medical expenses for your students, including accidents that result from practicing, instructing and participating in athletic events.
Risk Controls / Loss Management
Workers Compensation Claims/Loss Reviews (If Workers Comp is required)
Sexual Harassment Training/Sexual Misconduct Policies
Disaster Planning
Property Inspection
Building Valuations
Employee Safety / Driver Safety & Selection
Youth Activities
Handling Money