March 2nd, 2010
Have you thought about (and planned for) what one of the main exposures is to a church and/or non-profit organization? Sometimes "lost in the cracks" of a church's ministry is the use of personally owned autos for "church business".
Just because the auto being used in your business is not owned by the church (or other non-profit) does not mean that you won't be held responsible for it's operation. I recently spotted a great article by Philadelphia Insurance Press here for article that look...

When it comes to insurance coverage needs,American churches face unique challenges and requirements unlike those of any other organization. These can include everything from liability for day-care facilities, camps and schools to Workers’ Comp insurance for employees and even volunteers.
For this reason, it’s important to work with an expert such as Brian Loven, from Van Beurden’s Kingsburg headquarters, who specializes in coverage for churches throughout the West for twenty years. Brian has a better understanding of the specific exposures that church organizations face.. Plus, as the area's number one insurance agency, Van Beurden Insurance offers an unmatched depth of resources when it comes to developing custom-fit insurance solutions for your church.
Van Beurden represents a single source for all the various types of coverage you need to control your risks and run an organization with fewer worries. Our success has not come about by simply selling insurance, but rather by offering real solutions that satisfy your specific needs. For this reason, Van Beurden, together with specialized church policy carriers, provides a number of policies and programs serving needs that are specific to religious organizations.
We realize that our level of success grows in relation to that of our clients. Therefore, we have a commitment to supply you with the tools you need to reach ever-greater levels of prosperity. With services such as Van Beurden’s Work Comp Navigator™, we apply a consultative approach that provides the information you need to take control of your Workers’ Compensation expenses and reduce your overall costs. Work with one of Van Beurden’s Certified Work Comp Advisors to find a whole new way of eliminating costly mistakes. Together you’ll develop a specific plan that will significantly lower your premiums.