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Church and Religious MinistriesWe Specialize in Churches and Church Related Ministries (also Religious not-for-profits)!When you insure your church, Christian school or camp, you want a company and an agent that has a lot of experience. There are many agents that only insure two or three churches. You want a company and local agent that deals with this everyday. Brotherhood Mutual Insurance Company has been insuring churches since 1917. They have over 26,000 churches insured in 24 states. Church and church related business is over 80% of BMICs market. So they are dedicated and committed to being the best insurance company for churches and church related business in the nation. Miller Insurance Center has been insuring churches since 1985. We have grown from a meager 3 churches to now over 40 churches and denominational headquarters or related ministries. Our agents know what to look for and what coverages to suggest making sure you are properly covered. What to Look for in your Church Policy (or Related Ministries) Of course you need the basics: Building, Contents, Liability, Medical Payments, Pastoral Counseling and Workers Compensation. You want and need coverages that are more unique to church-related risk exposures such as: equipment systems breakdown (computer, copiers, printers, phone systems and heating/AC units; sexual acts coverage for pastors, Sunday school teachers and youth workers; lay counseling coverage; food spoilage - ecolii problems at a church picnic or dinner; employee benefits and employers liability coverage; volunteers as additional insureds; directors & officers coverage; computer virus liability; religious communications liability; etc. You want and need a policy that was designed specifically from the ground up for churches. Many companies take a policy designed for a hardware store or a beauty salon and try to make it fit the needs of a church - it does not work! Call Miller Insurance Center for a free comparison quote - we want you to have the best insurance at the best possible price. Church Buses & Vans Not many companies like to write insurance coverage on church vehicles. We have the companies that will be very competitive, one of these companies is Brotherhood Mutual Insurance Company. Church buses require that drivers have a CDL license - this is a federal law. Vans that carry 15 passengers or less only require a regular drivers license. Churches should not let just anybody drive the bus of van - it is always good to make sure drivers are responsible; have good driving records and are experienced. We like to see the age of bus drivers to be 25 to 65 and van drivers to be 21 to 70. A regular maintenance program on the vehicles is invaluable to make sure the vehicles are safe and in prime condition. Letting other churches or organizations borrow your vehicle is allowable but should be kept to a minimum because if there is an accident, YOUR policy is still the primary coverage and your rates will go up! Workers Compensation Workers Compensation is an essential coverage that every church should have. Almost every state requires workers compensation coverage on church employees and Indiana is no exception. Many churches are misguided because the IRS will consider pastors as self-employed for tax purposes, but states are consistent in workers compensation laws making it clear that pastors are employees when it comes to workers compensation. Volunteer workers do not need to be covered, but anyone receiving payment for work should be counted as an employee unless they are a sub-contractor who submitted a certificate as proof of their own liability and workers compensation. Christian/Religious not-for-profits - Camps - Christian Schools We can and do write Christian/Religious not-for-profits, camps, and Christian Schools. We have competitive rates and the coverages you want and need. The coverages that these organizations usually find hard to obtain at competitive rates are Directors & Officers coverage; Sexual Acts coverage for paid staff and for volunteers; and counseling liability. If you want to best coverages at the most competitive rates contact us for a free quote today. Miller Insurance offer the best coverages through:
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