Finance & Admin > Insurance > Property/Liability >

SUMMARY OF COVERAGE

For All New Jersey, Pennsylvania, and New York Churches

Introduction

The Property and Casualty Insurance Program for The Greater New Jersey Annual Conference (GNJAC) was designed by the GNJAC Insurance Committee, Sovereign Insurance Group, and Mercer Insurance Group. Member churches of the GNJAC are included in this program.

This booklet is issued as an aid to your overall understanding of the GNJAC Master Insurance Program. It is intended to generally describe the features and coverage provided. This program provides uniformity of coverage among the churches in the GNJAC and broader coverage than may be available on an individual basis for many churches.

The specific coverage included in the program and the relevant limits associated are identified on the following pages. If you do not find a specific coverage listed in this booklet, please contact Sovereign Insurance Group for further clarification. As stated previously, this booklet is not intended to replace the policy. However, it should prove useful in providing a quick reference to coverage and limits. Other coverage not identified may be available or even provided.

THIS BOOKLET OUTLINES THE FOLLOWING:

Package Insurance - Property, Crime, Equipment Breakdown, General Liability, Employee Benefits Liability, Sexual Abuse & Molestation Liability, and Pastoral Counseling Liability.

Umbrella Liability Insurance

Excess Liability Insurance

Workers' Compensation Insurance

Hired & Non-Owned Auto/Hired Car Physical Damage Liability

Business Automobile Insurance

Directors & Officers/Employment Practices Liability Insurance

Claims Administration

Loss Control

General Information

The New Jersey, Pennsylvania, and New York churches of The Greater New Jersey Annual Conference are included in this program. The program costs will be distributed to each church on a monthly basis through the Conference Headquarters and the Property Insurance Committee.

The program provides coverage for property owned by GNJAC member churches and used for church-related activities. In addition, one and two family dwellings owned by a local church are included in the program. Property and General Liability coverage is afforded only to the GNJAC and its churches for activities under the direct, complete, and active control of the local church.

The program is not intended to include non-church related properties owned in whole or in part by the GNJAC or a church. Non-church related properties include camps, commercial, manufacturing, mercantile, or industrial buildings, apartment buildings, or residential properties, except one and two family dwellings. Specific coverage for properties not eligible under this program is available upon request. Call Sovereign Insurance Group for more information.

Initial Point of Contact

Your initial point of contact for insurance questions will be Lori Cappello. Lori is a church account manager, and will coordinate our service efforts for the GNJAC.

The following sections outline a few specific events or situations that we need to know about in a timely manner.

When you have knowledge of the actual occurrence of a claim.
When you have planned additions or renovations to buildings
Buildings become vacant or unoccupied
Buildings are sold or disposed of
Newly acquired buildings
Planned new building construction
Major acquisitions to contents such as carillon systems, organs, etc.
Newly formed ministries or child care programs
Addition or deletion of vehicles if you participate in the Automobile Insurance Program
Mission trips both overseas and domestic

PLEASE DIRECT ALL QUESTIONS RELATED TO THE PROGRAM TO LORI CAPPELLO - PROGRAM ADMINISTRATOR AT SOVEREIGN INSURANCE GROUP

TELEPHONE: 1-800-222-4478 EXT. 3389
EMAIL ADDRESS:loric(at)sovinsurance.com