Attention church & non-profit leaders in North Carolina! Partner with us to better protect your people, your property & your reputation. The Hummel Group's expertise regarding all things church & non-profit risk management means our clients not only end up with better protection, but they also enjoy lower insurance premiums as well. Plus, we work with over a dozen of the nation's top insurance carriers, so we can find the perfect fit for your needs.
We serve large & small churches (average of 100 or more attendees per week) and all denominations, such as Catholic, Southern Baptist, Methodist, Presbyterian, Pentecostal & more. Please give us a call to learn how we can serve you and your organization today!
Competitive Group Health Insurance & Benefits
Church & School Security
Navigating Conceal-Carry
Cyber Security
Facility Usage
Event Liability
Employment-Related Exposures
Van/Bus Safety
Freedom of Religion
Counseling Safeguards
Volunteer/Youth Safety
Camp & Mission Trip Safety
We have expert advisors in the following areas:
Learn how shifting your perspective on risk management delivers tangible results to you, your company and your employees!
Your employee’s personal auto insurance policy should cover them personally. As a church or nonprofit, you need to make sure you have what’s called Hired/Non-Owned liability coverage endorsed to your policy. This covers your entity if you are also named in a lawsuit per it being your employee driving somewhere having to do with their employment with you.
A hold harmless is an agreement between two parties that obligates one party to protect another against certain risks of legal liability. For example, you may have an outside group that requests to rent a room in your building every Wednesday evening for a Yoga class. As the building owner, you might ask them to sign a hold harmless agreement so that if someone injures themselves during that class, you have a layer of protection from being sued. You would also want to consider requiring the Yoga instructor to carry their own insurance and list you as an additional insured on that policy.
General liability policies typically do not include this type of coverage. Therefore, it is important to discuss adding a sexual misconduct specific endorsement to your policy.
Most commercial general liability policies include coverage for what’s referred to as “host liquor” liability. This would apply to policyholders that are not considered to be in the business of selling or serving alcohol. It would also be advisable to check with the city where the event is being held, along with the landlord who owns the building, in case they require you to have specific liquor liability coverage.
When it comes to insurance for your business, your Hummel risk advisor is going to provide you with a custom-tailored plan that's best for you, not our company.
To learn more about what this means for you, take a look at the Trusted Choice Pledge of Performance by clicking the Trusted Choice logo.
If you need to submit a claim, you get one of our full-time claim specialists to advocate for you with the insurance company and support you through the entire process, step-by-step.