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.
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 both 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.
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 subjec 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
Inland Marine - Refer to Transportation Insurance.
