Signature

Religious
Organization
Broadening
Endorsements
Presented By: Caroline Dering
 Agenda
• Religious Taxonomy Overview
• Competitor Research for Religious Organization Enhancements
• Signature Religious CP Broadening Form
• Signature Religious GL Broadening Form
• Other Religious Special Standalone Endorsements
• Feedback
• Key Takeaways
• Reflection
Religious Taxonomies
Religious Taxonomy Performance 2010-2018
 Religious Taxonomy Performance 2010-2017
• 2018 was an “anomaly year.”
• 80.2% LAE ratio from 2010-2018 would be 47.1% for 2010-2017
(excluding 2018 entire year).
– This includes the 2017 church loss.
– Our religious book is profitable.
 Competitor Research for Religious Enhancements
• Philadelphia – CP, GL, Professional
• Hanover – CP, GL, Abuse
• Selective – CP
• Nationwide – CP, GL, Professional, Abuse
• Zurich – CP
• GuideOne – CP, GL, Professional, Abuse
• Church Mutual – CP, GL, Professional, Abuse
• Brotherhood Mutual – GL, Religious Freedom Protection
• Cincinnati – CP
• Liberty Mutual – CP
Signature Religious CP Broadening Coverage Highlights
• The new Signature Religious Property Broadening Endorsement
contains all of the same coverages as our current Signature
Education Property Broadening Endorsement, plus some increased
limits as well as a number of new enhancements targeted
specifically for the religious organization class of business.
Signature Religious CP Broadening Coverage Highlights
• Updated - Athletic Uniforms, Band Uniforms, Musical Instruments,
Theatre Costumes, Religious Robes and Vestments, Religious Choral
Uniforms and Outfits, PA Systems and Speakers $50,000
– New wording added: ‘Religious Robes and Vestments, Religious Choral
Uniforms and Outfits, PA Systems and Speakers’

• Appurtenant Buildings Limit Increased to $25,000

Signature Religious CP Broadening Coverage Highlights
• Updated - Meeting and Gathering Space/Classroom Chemical Spill
Cleanup
– New wording added: ‘Meeting and Gathering Space’
– Covers expenses to clean up an accidental classroom or meeting
chemical spill at any described location.
– $10,000 per Chemical spill/$50,000 Aggregate
Signature Religious CP Broadening Coverage Highlights
• Crisis Communication Expense
– $50,000 Each accident/ $100,000 aggregate
– Now offering new Violent Event Endorsement

• Updated – Fine Arts, Religious Artifacts, and Stained Glass

– New wording added: Religious Artifacts and Stained Glass
– Still included in blanket $350,000, max per item: $10,000
Signature Religious CP Broadening Coverage Highlights
• Identity Theft Exposure $50,000
– Amended Who is Covered: Clergy
– Covers your Current Directors, Officers, or Clergy

• Kidnap Expense (Including School Administrators, Teachers, and Clergy)

$50,000
– Amended Who is Covered: Clergy
Signature Religious CP Broadening Coverage Highlights
• Outdoor Property - Any Cause of Loss for Outdoor Fences, Lighting,
Lighting Standards, Radio and Television Antennas (Including Satellite
Dishes), Playground Equipment, Scoreboards, Bleachers, Grandstands,
Green Houses, Refreshment Stands, Press Boxes, Ticket Booths, Athletic
Fields Including Both Artificial and Natural Turf, Paved Surfaces, Crosses,
Statutes, Plaques, Pedestals, Similar Religious Structures, Art/Decorative
Items, Canopies, Tents, Trees, Shrubs, and Plants.
– New wording added: Crosses, Statutes, Plaques, Pedestals, Similar
Religious Structures, Art/Decorative Items, Canopies, Tents
Signature Religious CP Broadening Coverage Highlights
• Amended - Religious Personal Effects and Property of Others
– New- Includes theft
– Who is an Insured: Clergy
– Deductible still applies

• Note - Property of Others

– Includes theft on Signature Education
Signature Religious CP Broadening Coverage Highlights

• Workplace Violence Counseling

– New wording added: Clergy and Members
Signature Religious GL Broadening Coverage Highlights
• The new Signature Religious General Liability Broadening
Endorsement contains all of the same coverages as our current
Signature Education General Liability Broadening Endorsement, plus
some increased limits as well as a number of new enhancements
targeted specifically for the religious organization class of business.
Signature Religious GL Broadening Coverage Highlights
• Pollution Exception for Classroom Activities, Meeting, Conference, or
Gathering Space
– New wording added: Meeting, Conference, or Gathering Space.

• Property Damage Extension with Voluntary Payments

– Increase limits: $2,500/$5,000

• Who is an Insured- Educators

– CG 20 22 – Additional Church Members and Officers
• Is automatically added for the church class of business so we do
not need to enhance or add wording for religious broadening
Signature Religious GL Broadening Coverage Highlights
• Broadened Personal Advertising Injury
– RELIGIOUS COMMUNICATION
• Unless “Personal and Advertising Injury” is excluded from this
Policy, the following is added to SECTION V – DEFINITIONS Item
14.:
• i. Oral or written publication, in any manner, of material containing
religious or spiritual content including but not limited to a religious
message, church publication, sermon, or invocation.

• Educational and Religious Broadcasting and Publication – Personal and

Advertising Injury
– New wording added: Religious
Special Religious Standalone Endorsement to Professional
• Religious Activity – Professional Endorsement
– A. RELIGIOUS ACTIVITY
• The following is added to the definition of “Professional Services”
under SECTION VI – DEFINITIONS, item 10.:
• e. “Professional Services” includes the decision to pursue a
particular course of action, practice, policy or stance that is
undertaken in accordance with and in furtherance of the spiritual
or religious beliefs of your ministry organization.
 Key Takeaways
• Many competitor religious enhancement coverage forms include
the name religious but do not necessarily provide any additional
coverage.
• From a marketing perspective, adding the word religious to certain
enhancements may help appeal to the class of business more.
• Ministry Pacific
• Churches with schools
– Using education broadening endorsement and enhancing
coverage
 Reflection
• Coverage analysis and verbiage
• Taxonomy results
• Group discussions and teamwork
– The power of synergy
• My insurance career
Questions/Comments?
Thank you!