Stewardship Protection Program Coverages

 Mennonite Mutual Insurance Company’s Stewardship Protection Program^SM is a comprehensive insurance program consisting of property and liability coverages that are tailored for churches and religious institutions.

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PROPERTY COVERAGES

·                       Replacement cost on the building, additions, permanently installed sound equipment, outdoor fixtures, monuments, signs, etc.

·                       Yard fixtures, storm doors, windows (including stained glass), and organs permanently installed as building items.

·                       Replacement cost on business personal property, including air conditioning, wall coverings, and appliances for refrigeration, cooking, dishwashing and laundering.

SUPPLEMENTAL PROPERTY COVERAGES

Unless otherwise stated, coverages are on a replacement cost basis including:

·                       Outdoor antennae, awnings, canopies, fences and walks

·                       Fire Department service charges

·                       Fire extinguisher recharge

·                       Signs

·                       Debris removals

·                       Extra expenses

·                       Sewer and drain backup

·                       Property temporarily off the premises

·                       Employee dishonesty

·                       Loss of income

·                       Money and securities

·                       Trees, shrubs, plants, and lawns

·                       Systems breakdown coverage

·                       Valuable papers and records

·                       Double coverage provided on special offerings for Easter, Thanksgiving, Christmas and stewardship services

·                       Personal effects and property of others

·                       Personal effects of clergy

·                       Business personal property at parsonage

·                       Refrigerated food coverage (spoilage)

·                       Transportation coverage

·                       Ask about our additional coverages!

Further, we will waive the policy deductible on any theft and will extend lock replacement coverage. We also waive the policy deductible on any glass loss caused by the perils of civil commotion, riot, or vandalism.

LIABILITY COVERAGES

·                       We provide coverage for bodily injury and property damage on premises (including parsonages) you own or rent, adjacent to premises you own or rent.

·                       We extend medical payments to your volunteers in non-owned or hired automobiles when coverage shown on your declaration page.

·                       We include coverage for products/completed works; personal and advertising injury; and fire legal liability.

·                       We extend incidental medical malpractice and property damage liability coverage regardless of legal liability.

·                       We will pay for loss of earnings away from work at our request.

OPTIONAL LIABILITY COVERAGES

·                       Directors and Officers

·                       Sexual misconduct

·                       Pastoral counseling

·                       Daycare liability

·                       Non-Owned & Hired automobile liability

·                       Liability for your private school (K-12)

·                       Liability for youth camps and/or recreational activities

·                       Other business activities not related to your religious activities

·                       Cemetery liability

·                       Employee benefits liability

·                       Employers’ liability

·                       Employment Practices liability

VEHICLES

Our Stewardship Protection Program^SM offers coverage for the wide variety of transportation needs of churches. Protection is provided for:

·                       Church vans up to 15 passengers

·                       Buses

·                       Cargo trailers

·                       Private passenger autos

It is important to know that liability for vehicles doesn’t end with the vehicles the church owns. The church can also be held liable for the conduct of drivers using their personal vehicle while on church business. The Stewardship Protection Program^SM offers protection for this exposure through coverage called Non-Owned & Hired Automobile Liability, which also applies to vehicles the church may rent as well.

In addition to these coverages, an additional coverage limit is provided for church property while it is being transported in any vehicle.

COMMERCIAL EXCESS LIABILITY (COMMERCIAL UMBRELLA)

Excess liability coverage is available through a commercial umbrella policy in incremental limits of $1 million.

The information contained above is a brief description of the protection provided by the Stewardship Protection Program^SM provided by Mennonite Mutual Insurance Company. For specific details, please refer to your policy and contact your independently appointed Mennonite Mutual Insurance Company Agent.

Through Mennonite Mutual Insurance Company