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Gearhart Church Insurance Group in Carbondale Illinois
 

The Gearhart Church Insurance Group is committed to meeting the insurance needs of the
Heartland's Churches and Related Ministries. We are uniquely qualified to offer risk management
advice and provide insurance products to meet your needs.

Insurance Surveys
We will perform an insurance survey to determine the estimated replacement costs of the buildings and advise you about conducting an inventory of your personal property.

Inquiries
We will inquire about your current church activities; those provided
for the church for spiritual growth and fellowship as well as those created as outreach to the community. These will be used to suggest proper liability coverage items and limits for your insurance program.

Auto Liabilites
We will inquire about the ways in which church owned and
non-owned vehicles vehicles are utilized in your ministry. Close
attention should be paid to procedures and auto policy liability
limits when vehicles are used extensively for outreach programs.

Child Ministry Coverage
We will ask about the various children ministries your church has
implemented. After years of training and experience insuring such
ministries, we can help you put programs and procedures in place that
are designed to protect the children of your church from sexual abuse.

Financial Procedure Coverage
We can advise you on the various financial procedures you might adopt to minimize the opportunity for employee dishonesty.

Workers Compensation
We will review your Workers Compensation policy and provide
the Employer Liability limits that you choose. We will also
ascertain whether it reflects accurate job classification codes
and remuneration figures to protect those in your employ.

Daycare and Schools Coverage
We have many Christian schools and Daycares as clients. We can assess your risk based on attendance, activities, and size of staff to provide consultation and coverage to protect this vital ministry.

Foreign Missions Coverage
If your church is sponsoring a foreign mission trip, we will advise you on the coverage contained in your church insurance policy and provide a specialized policy specifically designed for short term missions.

Building Project Coverage
Building projects require specific insurance protection. Builders Risk insurance will be provided as well as coverage for the church if it chooses to be the General Contractor.

Food and Clothing Coverages
Food and clothing pantries have unique liability exposures. We can advise you on ways to decrease risk while operating this ministry.














 
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