Insurance
Division / Union / Conference

Property Insurance

This is the vehicle that is used to repair or rebuild churches and schools that have been damaged by a number of causes. This insurance pays the insured for physical loss or damage to their church property–building and contents. The protection of church property is how the organization (ARM) got started almost 70 years ago.

Equipment Breakdown

This equipment breakdown coverage applies to direct damage resulting from an accident involving equipment. In general, equipment covered includes any property built to operate under vacuum or pressure. Coverage includes property damage, business income, extra expense, service interruption, perishable goods, ammonia contamination, demolition increase, cost of construction, and CFC refrigerants.

Ocean Marine

Coverage for shipment made by or on behalf of the Insured either by land, air, or ocean. Coverage is for direct physical loss or damage. Example: shipment of personal goods belonging to missionary families.

Inland Marine

A church on the move has special needs for the protection of the property that accompanies its workers. This coverage relates to the insurance of property that is being transported or is of a nature that it may easily be transported (fine arts, equipment floater, motor truck cargo). Inland marine also includes some risks at fixed locations. They are considered instruments of transportation or communication, which were accepted by custom.

General Liability

This insurance pays the sums that the Insured becomes legally obligated to pay, or that the insurance company has agreed to pay, for damages to others as a result of the Insured’s negligence. This policy may cover bodily injury to another individual or damage to property belonging to others. A very common example of this coverage is the person who falls down the steps at church and incurs medical bills. This policy also provides protection for the policyholder when someone alleges negligence.

Automobile Insurance

This refers to any type of insurance pertaining to the ownership, maintenance, or use of automobiles. There are several coverage’s typically included in church related automobile policies including: Auto liability – which provides protection from loss incurred through legal liability for bodily injury and damage to property of others, caused by accidents arising out of ownership, maintenance, or use of an auto by the Insured. Auto medical payments – coverage pays the medical expenses of the policyholder and any of the passengers injured by the Insured’s auto, without regard for fault. Uninsured motorist -pays all sums the "insured" is legally entitled to recover as compensatory damages from the owner or driver of an "uninsured motor vehicle." Auto physical damage – protection for material damage insurance, which covers loss or damage to the Insured’s auto. Auto insurance is used by church entities throughout the U.S. In addition to the cars that are covered for conferences and churches, it also provides coverage for numerous buses as well as trucks. The church auto policies also include coverage hired and non-owned vehicles.

Employment Practices Liability

This refers to an insurance policy that provides protection for certain claims arising out of the employment arena to include coverage for volunteers. Particular coverage’s include sexual harassment, wrongful termination, defamation, and intentional infliction of emotional distress. Additionally, the policy offered by the church includes coverage for sexual molestation.

Sexual Misconduct

Employment Practices Liability
This refers to an insurance policy that provides protection for certain claims arising out of the employment arena to include coverage for volunteers. Particular coverages include sexual harassment, wrongful termination, defamation, and intentional infliction of emotional distress. Additionally, the policy offered by the church includes coverage for sexual molestation.

This refers to an insurance coverage that may provide liability and legal expense protection against claims that arise due to sexual misconduct.

Excess Liability

An excess liability policy provides limits of insurance in excess of the primary policy. A primary policy is the first policy to respond in the event of a claim. Excess Liability - Coverage is provided for Automobile Liability, Employers' Liability, Garage Liability, General Liability, International Hospital Professional Liability, and Physicians' and Surgeons' Malpractice Liability. Aviation Excess - Coverage is provided for aircraft (owned & non-owned) and airport liability. Employment Practices Excess - Coverage is provided for employment practices liability.

Travel

Short Term Travel

International or domestic travel is an exciting adventure that is filled with uncertainty and unpredictability. Travel accident insurance is a vital coverage that travelers carry with them and can access anywhere to help make their travel safe, convenient and rewarding whenever they venture from their permanent place of residence. The church's international travel insurance includes the following:
  • Trip Cancellation/Interruption (TC/I)
  • Medical Protection
  • Accident Medical Expense
  • Sickness Medical Expense
  • Emergency Medical Evacuation
  • Repatriation of Remains
  • Accidental Death and Dismemberment
  • Personal Effects/Baggage
  • Travel Assistance
This insurance program is available to employees, retirees, individuals, or groups on business or sponsored approved travel of the Seventh-day Adventist Church. Vacation travel is covered when combined with a business or sponsored activity.

Personal Effects Floater

Purpose: To provide coverage for loss of or damage to covered property while the covered individual is traveling or engaged in business activities on behalf of their participating organization, away from the premises of the covered individual’s residence, domicile, or home, subject to all the provisions. Eligibility: All employees approved by the participating Seventh-day Adventist organization Property covered: Personal effects belonging to and usually carried or worn by the covered individual. Coverage is available only for business travel or while engaged in business activities away from the place of permanent residence, and subject to all the provisions of the policy. Payment: As determined by employer Benefit Provisions: Loss of or damage to covered property.
U.S. $1,000
U.S. $2,000
U.S. $3,000
U.S. $4,000
Per occurrence

Short Term International Automobile Liability

Coverage is provided for owned, non-owned, and hired automobiles. This coverage is excess over any other valid and collectible insurance and excluded in the territories of U.S., Canada, Puerto Rico, and state department restricted countries. The policy pays for sums that an insured becomes legally obligated to pay for bodily injury and damage to the property of others, caused by accidents arising out of ownership, maintenance, or use of automobile. Excess Automobile Applications are available upon request.

Householders

This insurance covers the personal effects and property of employees and volunteers of the Seventh-day Adventist Church during their period of service overseas. The program provides coverage for unscheduled personal effects, property, and scheduled personal property. Commercial storage coverage is available upon request. Coverage is provided for unscheduled personal property, personal effects, and household goods that are stored in a U.S. or Canadian commercial warehouse while the insured or volunteer is living in a foreign country.

Workers’ Compensation

Workers' Compensation - United States

State workers' compensation laws require, with few exceptions, that employers take responsibility for on-the-job injuries. Each state defines benefit level for employers in their state. The insurance pays all compensation and all benefits required under the workers' compensation act of the state(s) listed in the policy. Benefits included loss of income, medical, rehabilitation, disability, death, and survivor benefits.

Employers' Liability

Coverage is provided for damages that an employer becomes legally obligated to pay (apart from workers’ compensation statutes) because of bodily injury by accident or disease to an employee.

Volunteers

This coverage is designed to provide limited additional medical, disability income, and accidental death or dismemberment expenses for injuries sustained during approved volunteer service.

Sports

Accident Injury Plans are available to Amateur Sport Organizations for both Youth and Adult Groups. Accident Medical Expense Coverage is often purchased to help enhance Liability coverage and help deter Liability claims. When Medical bills are paid, without any out-of-pocket expense to the insured, the risk of Lawsuits may be greatly reduced.

Student Accident

Active children are a joy to watch, but playtime can carry higher risks for accidents. ARM together with Christian Educators Trust provides coverage

This coverage offers protection against covered accidents and sickness that occur while attending or traveling to and from a participating camp.

Aviation: Aircraft

Liability - This coverage will pay claims that the Insured becomes legally obligated to pay for bodily injury, mental anguish, and damage to someone else's property resulting from the ownership, maintenance, or use of the aircraft. Medical Payments - This coverage will pay reasonable medical expenses that passengers, pilots, and crew members incur within one year from the date of an accident, regardless of fault.

Hull (Physical Damage) - Coverage is provided against risk of physical loss or damage to the Insured’s aircraft both while it is on the ground and while it is in flight.

Executive Protection

This coverage will pay those sums that the Insured will become legally obligated to pay as damages and claims expenses for any actual or alleged act, error, or omission in the rendering of or failure to render professional services. Covered professions include: pastoral, educational, employed lawyers, accounting, notary public, and human resources. Directors and Officers - D&O - This coverage will pay sums that the insured organization and the insured persons become legally obligated to pay for an error, misstatement, misleading statement, act, omission, neglect, or breach of duty committed, attempted, or allegedly committed. Fiduciary Liability - This coverage is a component of the executive protection policy along with directors & officers, outside directorship liability and crime. This coverage will pay sums that the Insured becomes legally obligated to pay with respect to any breach of the responsibilities, obligations, or duties arising out of benefit programs sponsored, operated, maintained, or administered by the sponsor organization for the benefit of their employees. Crime Insurance - This coverage provides payment for direct losses of money, securities, or other property caused by theft or forgery by an employee acting alone or in collusion with others. Coverage for premises, transit, and funds transfer fraud is also included. Outside Directorship Liability - This coverage is similar to the D&O previously discussed, however it provides coverage for individuals requested by the insured organization to serve on boards other than the Insured's boards.

Miscellaneous Professional Liability - Trust Officers

This coverage will pay those sums that the Insured will become legally obligated to pay as damages and claims expenses for any actual or alleged act, error, or omission in the rendering of or failure to render professional services for trust administration and notary public related to trust administration.

Theft

Crime Insurance - This coverage provides payment for direct losses of money, securities, or other property caused by theft or forgery by an employee acting alone or in collusion with others. Coverage for premises, transit, and funds transfer fraud is also included.

Hospital Professional Liability

This insurance provides coverage for a hospital against claims for injury resulting from malpractice, professional errors, or a mistake by the hospital staff. At this time coverage is only offered to our international institutions. One of the benefits these clients receive is a heightened awareness of the need to prevent losses in the first place.

ASV

Accident & Sickness for Volunteers is available to all persons performing voluntary services which have been duly authorized by official institutions of the Seventh-day Adventist church.   Typical volunteers include but are not limited to: Relief Doctors, Relief Workers, Pilots, Student Missionaries, Adventist Volunteer Service Workers, and Sustentation Volunteer Workers.

  • Coverage includes:
  • Medical Expense
  • Emergency Medical Evacuation
  • Repatriation
  • Accidental Death & Dismemberment

Pathfinders

(description coming soon)
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