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CORNERSTONE PLUS. Your Program of Protection Should Include:. Property Liability Crime Inland Marine. Your Program of Protection Should Include:. Life Equipment Breakdown Workers’ Comp Umbrella. Business Auto. Property Coverage. Basic Form: Fire Lightning

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Presentation Transcript
your program of protection should include
Your Program of Protection Should Include:
  • Property
  • Liability
  • Crime
  • Inland Marine
your program of protection should include1
Your Program of Protection Should Include:
  • Life
  • Equipment Breakdown
  • Workers’ Comp
  • Umbrella.
  • Business Auto
property coverage
Property Coverage

Basic Form:

  • Fire
  • Lightning
  • Explosion
  • Windstorm or hail
  • Smoke
  • Sprinkler leakage
property coverage1
Property Coverage

Basic Form:

  • Vandalism
  • Riot or civil commotion
  • Aircraft or vehicles
  • Sinkhole collapse
  • Volcanic action
property coverage2
Property Coverage

Broad Form:

Includes all basic form perils, plus:

  • Falling objects
  • Water damage
  • Building collapse
  • Glass breakage
  • Weight of snow, ice or sleet
property coverage3
Property Coverage

Special Form:

  • Includes all Basic and Broad Form perils, plus any cause of loss NOT specifically excluded
property coverage4
Property Coverage

Special Form

Examples:

  • Kitchen damage due to appliance failure
  • Theft of church contents from premises
  • Theft, or damage to building from

attempted theft.

  • Damage from acid/chemical spills
property extensions
Property - Extensions
  • Newly acquired property
  • Personal property of others
  • Valuable papers and records
  • Property off premises
  • Appurtenant structures
property extensions1
Property - Extensions
  • Property in the open
  • Outdoor trees, shrubs, plants,

and lawns

  • Signs
  • Indirect loss
  • Fire department service charge
property extensions2
Property - Extensions
  • Debris removal
  • Lock replacement
  • Anti-arson reward
  • Sewer/drain backup
  • Ordinance or law
  • Automatic fire suppression recharge
property extensions3
Property - Extensions
  • Awnings, canopies, fire extinguishers, refrigerated products
  • Pollutant cleanup
  • Church fidelity bond
  • Vacant staff dwelling
property options
Property - Options
  • Replacement cost
  • No deduction for depreciation on covered property losses
  • Agreed value

No coinsurance penalty at time of loss

liability coverage
Liability Coverage

Includes:

  • Church members, employees, officials, and volunteers acting on behalf of church
  • World-wide coverage
  • Damage to property of others
liability coverage1
Liability Coverage

Includes:

  • Advertising/personal injury
  • Newly acquired organizations
  • Legal liability
  • Clergy and lay counseling coverage
liability coverage2
Liability Coverage

Medical payments:

  • Pays ALL reasonable medical expenses

of church, regardless of liability

  • Covers members, guests and volunteers
  • Primary coverage on or off premises
  • Excess coverage for athletic activities
  • Loss of Life
liability optional coverage
Liability - Optional Coverage
  • Directors, officers and trustees
  • Hired and non-owned auto
  • Sexual misconduct
  • Employee benefits
  • Day/nursery/student medical
  • Corporal punishment
crime
Crime
  • Church theft:
      • Provides blanket coverage including money and securities
      • Include double money coverage for four days of your choice
crime1
Crime
  • Employee dishonesty
    • Provides coverage for dishonest acts of officers, ministers and duly appointed or elected officials
  • Forgery and alteration
inland marine
Inland Marine
  • Musical instruments
  • Fine art
  • Data processing equipment
  • Maintenance equipment
  • Minster’s business property
  • Signs
  • Scheduled property
equipment breakdown
Equipment Breakdown

Common exposures:

  • Cast iron heating boilers:
    • subject to burning, cracking
  • Air conditioning systems:
    • susceptible to burnout
equipment breakdown1
Equipment Breakdown

Common exposures

  • Electrical wiring, circuit breakers and switches subject to overload
  • Communication equipment

susceptible to power surges

special policies available
Special Policies Available
  • Workers\' compensation
      • Pays benefits to employees as required by state law
      • Provides protection for lawsuits brought by employees
special policies available1
Special Policies Available
  • Umbrella
      • Provides excess limits of liability when underlying limits are exhausted
      • Provides primary coverage for many losses not covered by an underlying policy
special policies available2
Special Policies Available
  • Business auto
      • Provides liability and physical damage coverage for church-owned vehicles
group life
Group Life

Coverage for church employees

  • 2-year rate guarantee
  • Death benefit from $10,000 to $250,000
  • No medical exams
group life1
Group Life

Coverage for church employees

  • Seat belt rider
  • Accelerated death benefit
  • Charitable contribution benefit
why choose guideone
Why Choose GuideOne?
  • America\'s leading specialty insurer of churches
  • 50 years of making a difference
  • Excellent ratings and denominational endorsements
why choose guideone1
Why Choose GuideOne?
  • Claims offices coast-to-coast; catastrophe teams on call
  • Loss control services available
  • Over 3,000 professionally trained agents serving their local communities
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