Think Before You Loan Your Ministry's Vehicles

Has your church or school ever been asked to loan one of your vans or buses to another? Before you decide to loan your ministry vehicles to another organization, seriously consider the potential risks associated with such a decision. You would do better to practice your generosity by assisting financially in leasing or chartering a vehicle from a rental agency, rather than risking your own vehicle.

If you do choose to allow another party to use your vehicle, here are some important things to consider:

 

  • Your ministry will be held fully liable for damage caused by improper operation of your vehicle by others.

  • Your policy covers you and your organization, but it may not adequately cover others outside your organi­zation.

  • If the user damages your vehicle, he most likely will expect you to turn in the damages under your insur­ance rather than pay the damages out of his own pocket.

  • When you loan or lease your vehicle, you lose all supervisory control over who may drive it and how it’s operated and cared for.

  • Specify in writing who will be responsible for damage to your vehicle. If the other party agrees to be responsible, it will have to purchase special physical damage protection. Verify coverage on a certif‍icate of insurance that the other party gives to you.

  • Outline your requirements to the user regarding who may operate your vehicle and under what conditions. Make sure that the driver has a valid license, a good driving record, and experience operating your type of vehicle.

  • Make sure any vehicle you loan is in top mechanical condition.

  • Before you lease your vehicle for hire, consult your attorney to verify that you comply with state and interstate laws governing vehicles operated for transporting passengers for hire. Stricter standards apply when you lease than when you loan.

  • Make sure your vehicle will be used for ministry activities. Your coverage may be voided or limited it’s used for some other activity or commercial purpose.

January 30, 2023
Brotherhood Mutual Foundation Kingdom Advancing Grant
Brotherhood Mutual Foundation Kingdom Advancing Grant
Tags: coverage, ministry, insurance
January 9, 2023
Better Achieve Your Mission in 2023
Better Achieve Your Mission in 2023
Tags: coverage, ministry, insurance
November 10, 2022
Evaluate Your Ministry's Fire Safety Plan
Evaluate Your Ministry's Fire Safety Plan

With the holiday season right around the corner, it’s wise for ministries to evaluate their fire safety plan. Whether your ministry is hosting a holiday party, prepping treats for charity, or running a community kitchen, make sure you’re well-prepared with these tips.

Tags: safety, coverage, ministry, volunteer safety, fire safety
September 9, 2022
School is Back in Session
School is Back in Session

As school is back in session, it’s important to make sure your school is equipped with the correct safety procedures. Thinking about your school’s physical security as a series of layers can help you find gaps in your plan. Transportation and volunteers are just two important aspects of your school safety plan to think about.

Tags: protect, safety, insurance, coverage, liability, ministry, child safety, volunteer safety, christian schools, back to school, transportation
July 15, 2022
Shepherding Ministries in a Time of Change
Shepherding Ministries in a Time of Change

Anyone who turns on the news, flips through a magazine, or browses the web can see that American society and culture are experiencing rapid transitions. Some ministries have valid concerns that issues surrounding societal shifts may expose them to negative publicity, governmental scrutiny, or litigation.

The questions become: when and how can ministries operate within their deeply held religious beliefs when they may conflict with others’ rights?

Tags: protect, safety, insurance, coverage, liability, ministry, religious freedom
May 19, 2022
Five Common Tricks of Cyber Scammers
Five Common Tricks of Cyber Scammers

Cyber security is increasingly crucial in our technologically advanced world. Scammers use many schemes when attempting to steal your data, but you can outsmart them by understanding their methods.

Tags: ministry, cyber security, technology, data, protection
July 22, 2021
Thousands in Relief Funding Available to Ministries Through the Employee Retention Credit
Thousands in Relief Funding Available to Ministries Through the Employee Retention Credit

Most ministry leaders don’t realize there is funding available to non-profit employers including churches, schools, colleges, and camps. This post includes some highlights about the credit and guidance on where to start to see if your ministry is eligible.

Tags: ERC, payroll, tax credit
April 23, 2021
Predictions and Insights for VBS 2021
Predictions and Insights for VBS 2021

If your church is anything like mine, Vacation Bible School (VBS) is a big deal. Not just because it is central to our ministry’s outreach to young families, but because of the important role that VBS plays in the spiritual formation of children.

Tags: COVID-19, health, health safety, protect, coronavirus, Christmas, risk management
April 19, 2021
Take Time to Review Your Ministry's Child Protection Plan
Take Time to Review Your Ministry's Child Protection Plan

April is National Child Abuse Prevention Month. Though child abuse may not be something you could ever imagine happening within your ministry, sexual abuse of a minor is one of the top five reasons churches end up in court, according to Church Law & Tax. Studies also show that a child is much more likely to be sexually abused by a trusted adult than a stranger.

Tags: protect, risk management, child safety, child protection, youth, childcare
March 16, 2021
Prepare for Severe Spring Storms Now
Prepare for Severe Spring Storms Now

When severe storms strike, they can produce high winds and tornadoes. Damaging winds can wreak havoc on your ministry’s property and to buildings. A high wind event can crash debris through your windows, strip your siding, down trees on your parking lot, peel shingles off your roof, and fling back the flashing.

Tags: weather emergency, lightning, storms, safety, protect
February 25, 2021
Catalytic Converter Theft on the Rise: Protect Ministry Vehicles
Catalytic Converter Theft on the Rise: Protect Ministry Vehicles

Thieves are taking advantage of soaring precious metal prices. Take steps to protect your ministry’s vehicles and property.

Tags: protect, theft, vehicle
February 15, 2021
Grant Funds Available for Safeguarding Ministries
Grant Funds Available for Safeguarding Ministries

As the Director of Ministry Safety for our agency, I am dedicated to finding ways to help safeguard ministries like yours.

Tags: COVID-19, health, health safety, protect, coronavirus, Christmas, risk management
February 5, 2021
Avoid Frozen Pipes as Temperatures Plummet
Avoid Frozen Pipes as Temperatures Plummet

As temperatures plummet, the risk of freezing pipes soars. Frozen pipes can cause costly messes that could also put your ministry on hold while you clean up.

Tags: frozen, building, pipes, prevent damage
January 12, 2021
Potential Vulnerabilities in School's Safety Plan
Are there hidden vulnerabilities in your school's safety plan?

On behalf of our agency, I recently participated in one such training which focused on strategies and tactics for responding as a single officer to an active safety threat in a school building.

Tags: COVID-19, health, health safety, protect, coronavirus, Christmas, risk management
January 5, 2021
Church Safety Trends for 2021
Church Safety Trends for 2021

If you’re anything like me (and maybe the rest of the world for that matter), you’re grateful to put the craziness of the past year behind us.

Tags: COVID-19, health, health safety, protect, coronavirus, Christmas, risk management
November 23, 2020
COVID-19 and the Christmas Season
COVID-19 and the Christmas Season

Preparing for this Christmas season may require additional creativity, due to the uncertainty of what COVID-19 may bring in our local community.

Tags: COVID-19, health, health safety, protect, coronavirus, Christmas, risk management
October 28, 2020
Guidance for Ministries About Boy Scouts' Bankruptcy
Guidance for Ministries About Boy Scouts' Bankruptcy

A mid-November deadline in the Boy Scouts of America’s (BSA) bankruptcy proceedings may have you wondering what the organization’s bankruptcy filing means for your ministry if you ever hosted or chartered Boy Scout Troops.

Tags: coverage, protect, liability, damages, youth
October 1, 2020
Applying for PPP Loan Forgiveness
Applying for PPP Loan Forgiveness

Organizations that obtained Paycheck Protection Program (PPP) funding through the CARES Act can have their loans forgiven, turning them into grants. To qualify, each borrower must file a forgiveness application with its PPP lender, proving that it followed the rules. If your church, school, college, or camp meets all the criteria, 100% of its loan can be forgiven.

April 13, 2020
Beware of COVID-19 Cyber Scams
Beware of COVID-19 Cyber Scams

Ministries are creatively scrambling to continue their operations and safely engage their congregations with an array of online technologies during the coronavirus pandemic. Unfortunately, hackers are ready to take advantage of the confusion with scams designed to steal valuable data or siphon funds from your ministry.

Tags: fireworks
March 30, 2020
CARES Act: Churches Need to Apply Now
UPDATED: CARES Act: Churches Need to Apply Now

Learn about the CARES Act and two loans for which ministries may be eligible, since Congress authorized additional funding April 23.