While most of the major players in the religious insurance industry have checklists they use to advise the churches and organizations that they work with, it is a good idea to have one for your use as well.
Ken Brown, the church administrator with Kent Island United Methodist Church in Chester, Maryland, says he put together his own checklist of "all the things we want to make sure we have covered" the last time church leaders shopped around for coverage.
While this isn't a complete list, it is a good starting point for discussion.
Among the questions to ask a potential insurance agent:
- What is your company's insurance ratings? A.M. Best, for example, provides an independent opinion of an insurer's financial strength and its ability to meet its ongoing insurance policy and contract obligations.
- Will your organization have someone familiar with our program and understand our needs who we can call, instead of an anonymous person on the end of a toll-free number?