{"id":868,"date":"2016-05-11T15:31:21","date_gmt":"2016-05-11T15:31:21","guid":{"rendered":"https:\/\/iphc.org\/gso\/?p=868"},"modified":"2016-05-11T15:48:30","modified_gmt":"2016-05-11T15:48:30","slug":"iphc-offers-group-insurance-plan","status":"publish","type":"post","link":"https:\/\/iphc.org\/gso\/2016\/05\/11\/iphc-offers-group-insurance-plan\/","title":{"rendered":"IPHC Offers Group Property and Liability Coverage"},"content":{"rendered":"<p>In a world that is becoming more litigious, churches should regularly assess their risk and liability. Are you managing God\u2019s resources effectively? If your church sustains a loss from a natural disaster, would you be able to rebuild? Do you have adequate insurance to cover a liability claim?<\/p>\n<p>Insurance premiums can be costly and researching the best solution can be time-consuming. By uniting the resources of the International Pentecostal Holiness Church (IPHC), we have the opportunity to save money while receiving uniform property and liability coverage.<\/p>\n<p>Upon the advice of legal counsel, the IPHC Council of Bishops is partnering with an established insurance broker for faith-based organizations to provide conferences and churches the option to leverage purchasing power with a group insurance plan.<\/p>\n<p>According to General Superintendent Doug Beacham, \u201cThis is a unique opportunity for the IPHC in the United States to work together for everyone\u2019s benefit. Besides the usual property issues, congregations in the United States should be prepared for a growing number of liability issues. This effort does not obligate any congregation; it only provides the information necessary to determine an accurate quote that covers the nation.\u201d<\/p>\n<p>The proposed group plan provides participating conferences and churches with the following coverage:<\/p>\n<ol>\n<li>Property Coverage Package: All owned, leased, and operated on a replacement cost basis. Includes all activities.<\/li>\n<li>General Liability: Limits that are deemed adequate for the entire ministry (not just minimum state required limits) with a minimum of $1,000,000.<\/li>\n<li>Auto: Liability and physical damage coverage for all autos owned or leased, or used by the ministry. Church buses and vans require the ministry to provide higher limits.<\/li>\n<li>Workers\u2019 Compensation Coverage: Adequate coverage for full-time and part-time employees as required by the laws of each individual state.<\/li>\n<li>Pastors, Directors and Officers Liability: Coverage as relates to the decisions and actions taken by these individuals.<\/li>\n<li>Employment Practices Liability: Coverage for all elements of these areas, to include sexual misconduct.<\/li>\n<li>Umbrella Policy (Excess liability): Coverage that fits down over the basic liability in all areas to provide needed additional liability.<\/li>\n<\/ol>\n<p>Several IPHC conferences and churches have expressed interest in participating in this plan; however, to reach the optimum discount we need additional participants. If your conference or church would like to receive a free risk-assessment or insurance evaluation, please email the IPHC broker, <a href=\"mailto:Stewart_Meyers@ajg.com?subject=IPHC%20insurance%20plan\">Stewart Meyers<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>Photo Credits: <a href=\"https:\/\/www.pexels.com\/photo\/church-snow-winter-sky-24334\/\">www.pexels.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"excerpt","protected":false},"author":2,"featured_media":869,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","episode_type":"","audio_file":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","date_recorded":"","explicit":"","block":"","filesize_raw":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[180,333,58,318],"class_list":{"0":"post-868","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-general","8":"tag-180","9":"tag-insurance","10":"tag-iphc","11":"tag-may","12":"entry"},"title_es":"IISP ofrece plan de Seguro de Grupo","content_es":"En un mundo cada vez m\u00e1s litigiosa, iglesias deber\u00edan evaluar regularmente su riesgo y responsabilidad. \u00bfEst\u00e1 gestionando con eficacia los recursos de Dios? Si su iglesia sufre una p\u00e9rdida de un desastre natural, \u00bfser\u00eda capaz de reconstruir? \u00bfTiene un seguro adecuado para cubrir una demanda de responsabilidad? Las primas de seguro pueden ser costosos y la investigaci\u00f3n de la mejor soluci\u00f3n puede llevar mucho tiempo. Al unir los recursos de la Iglesia Internacional de Santidad Pentecostal (IPHC), tenemos la oportunidad de ahorrar dinero al mismo tiempo recibir propiedad uniforme y cobertura de responsabilidad. Con el asesoramiento de un abogado, el Consejo de la IISP de los Obispos se ha asociado con un corredor de seguros establecida para las organizaciones basadas en la fe para proporcionar conferencias e iglesias la opci\u00f3n de aprovechar el poder de compra con un plan de seguro de grupo. De acuerdo con el superintendente general Doug Beacham, &quot;Esta es una oportunidad \u00fanica para la IISP en los Estados Unidos para trabajar juntos por el bien de todos. Adem\u00e1s de las cuestiones de propiedad habituales, congregaciones en los Estados Unidos debe estar preparado para un n\u00famero cada vez mayor de las cuestiones de responsabilidad. Este esfuerzo no obliga a ninguna congregaci\u00f3n; que s\u00f3lo proporciona la informaci\u00f3n necesaria para determinar un presupuesto preciso que cubre la naci\u00f3n &quot;El plan del grupo propuesto ofrece conferencias e iglesias que participan con la siguiente cobertura.: <ol><li> Propiedad del paquete Cobertura: Todo en propiedad, arrendados, y operado en base al costo de reemplazo. Incluye todas las actividades. <\/li><li> Responsabilidad Civil General: Los l\u00edmites que se consideran adecuadas para todo el ministerio (no s\u00f3lo los l\u00edmites m\u00ednimos requeridos por el estado) con un m\u00ednimo de $ 1.000.000. <\/li><li> Auto: Responsabilidad y cobertura de da\u00f1os f\u00edsicos para todos los autom\u00f3viles propiedad o alquilados o utilizados por el ministerio. autobuses y furgonetas de la Iglesia requieren el ministerio para proporcionar l\u00edmites m\u00e1s altos. <\/li><li> Cobertura de Compensaci\u00f3n de los Trabajadores: La cobertura adecuada de tiempo completo y los empleados a tiempo parcial como es requerido por las leyes de cada estado individual. <\/li><li> Pastores, directores y funcionarios Responsabilidad: Cobertura como se refiere a las decisiones y acciones tomadas por estos individuos. <\/li><li> Pr\u00e1cticas de Empleo de responsabilidad: La cobertura para todos los elementos de estas \u00e1reas, a fin de incluir la mala conducta sexual. <\/li><li> Pol\u00edtica de paraguas (responsabilidad Exceso): La cobertura que se ajuste hacia abajo sobre la responsabilidad b\u00e1sica en todas las \u00e1reas para proporcionar responsabilidad adicional necesaria. <\/li><\/ol> Varias conferencias e iglesias IISP han expresado su inter\u00e9s en participar en este plan; Sin embargo, para alcanzar el descuento \u00f3ptima que necesitamos a otros participantes. Si su conferencia o iglesia les gustar\u00eda recibir una evaluaci\u00f3n gratuita de evaluaci\u00f3n de riesgos o seguro, env\u00ede un correo electr\u00f3nico al agente de la IISP, <a href=\"mailto:Stewart_Meyers@ajg.com?subject=IPHC insurance plan\">Stewart Meyers<\/a> . Procedencia de las ilustraciones: <a href=\"https:\/\/www.pexels.com\/photo\/church-snow-winter-sky-24334\/\">www.pexels.com<\/a>","author_name":"","jetpack_featured_media_url":"https:\/\/iphc.org\/gso\/wp-content\/uploads\/sites\/5\/2016\/05\/pexels-photo-24334-Small-e1462980594800.jpg","jetpack_shortlink":"https:\/\/wp.me\/pb62Bx-e0","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/iphc.org\/gso\/wp-json\/wp\/v2\/posts\/868","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iphc.org\/gso\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iphc.org\/gso\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iphc.org\/gso\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/iphc.org\/gso\/wp-json\/wp\/v2\/comments?post=868"}],"version-history":[{"count":0,"href":"https:\/\/iphc.org\/gso\/wp-json\/wp\/v2\/posts\/868\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iphc.org\/gso\/wp-json\/wp\/v2\/media\/869"}],"wp:attachment":[{"href":"https:\/\/iphc.org\/gso\/wp-json\/wp\/v2\/media?parent=868"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iphc.org\/gso\/wp-json\/wp\/v2\/categories?post=868"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iphc.org\/gso\/wp-json\/wp\/v2\/tags?post=868"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}