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Deductibles represent money an insured must pay before insurance coverage kicks in. Most property insurance policies cover property damage claims arising from a variety of causes – fire, lightning, theft, sinkhole, Wind/Hail and more. Choosing a property policy that includes a high deductible usually translates into lower premium. It also means when a loss occurs…

Can you believe it – The 2020 Atlantic hurricane season was the most active as well as the seventh costliest Atlantic hurricane season on record. In addition, it was also the fifth consecutive above average Atlantic hurricane season from 2016 onward and the first extremely active season since 2017. The record breaking season featured a…

If you own property you should consider having a Flood Insurance Policy for the protection of your property and, to be honest, for your own peace of mind. Many people do not realize that a Homeowners or Commercial Property policy does not cover any aspect of a Flood. If a Flood does occur in your…

‘Annual Enrollment’ or ‘Open Enrollment’ is a period of time, usually but not always occurs once per year, when employees of companies and organizations may make changes to their elected fringe benefit options, such as health insurance or Medicare plans.  The term also applies to the annual period during which individuals may buy individual health…

While a fall festival is a fun event for children and families to attend, many churches and nonprofit organizations are wrestling with whether or not to hold their annual festivals in the face of COVID-19. Some are moving to drive-through programs, while others are holding modified fall festivals. If your Church is planning to host…

Get your FREE guide to Church Background Checks from Church Law & Tax  and the ‘Shepherd’s Watch’ – In your Ministry, all it takes is ONE breach in safety and you can have lifelong consequences. So, having safety precautions in place – including background checks and reference checks – are no longer an option but…