Category Archives: Church Insurance
Approximately one in eight churches is victim to a theft or burglary each year, and an increasing number of churches are experiencing vandalism, arson and other tragic crimes. Without sufficient security, today your church and property are more valuable to crime than ever before. While having a central security and fire alarm system with video security cameras is ideal, these systems are not a financial reality for every church. Still, churches can practice security measures at little or no cost by following the “5Ls” of crime prevention.
- Make sure doors and windows are locked when the building is unoccupied.
- Use one-inch deadbolt locks on exterior doors. Doors should be made of solid core (not hollow) construction and, if hinged on the outside, should have tamper-proof hinges.
- Lock windows and consider burglar-resistant or wire-mesh glass.
- Keep record and control of all building keys, particularly if there has been a turnover in employees.
- Lock up ladders, tools, and flammable materials, such as cleaning supplies and gasoline at the end of the day.
- Secure stairways and fire escapes that provide access to the roof.
- Illuminate exterior buildings, doors and parking lots from sunset to sunrise.
- Update timers for exterior lights following time changes.
- Keep interior entry lights on during overnight hours.
- Consider installing motion-activated lighting near doors and windows.
- Keep shrubs and trees trimmed around windows and doors to eliminate potential hiding places for arsonists and criminals.
- Do not allow signs or displays to block the view of the building.
- Pick up trash and other combustible materials from the church property.
- Establish a “Church Watch” program in which members volunteer to drive through the property at various times throughout the week and alert police to anything suspicious.
- Ask neighbors to contact the police to report suspicious persons or activities.
- Develop positive relationships with local police and invite them to patrol the property at odd hours.
- Familiarize police with times of worship and church activities so they will be alerted when people are unexpectedly present.
For churches that need higher levels of protection for the risks they face, MAX provides the following policies to complement its FaithGuard Church product in a comprehensive insurance plan.
- Business Automobile
- MissionGuard® – International Travel Coverage
- Worker’s Compensation
For more information about MAX’s church insurance products, don’t hesitate to contact a MAX agent today!
Want to reduce risk and improve safety at your house of worship? One way to do just that is to use surge protection. Electrical power surges caused by lightning strikes and other problems can destroy electrical equipment and systems throughout the church, including computers, telephones, audio/video equipment, security systems and more. Minimize the risks of power surges by utilizing proper electrical grounding and surge protection devices. The power company or an electrician can add a surge protection device to your electrical system and individual surge protectors can be connected to appropriate equipment.
For more safety tips on how to keep your church protected, including insurance for your church, contact a MAX agent today.