• The financial secretary deposits employee income tax withholdings into a personal
  account, resulting in a loss of over $150,000 to the religious institution?
• Allegations of sexual misconduct surface after an out-of-town youth trip when parents of the child bring suit against the minister and the religious institution?
• A heater malfunctions, causing a three-yearold building to burn to the ground?

With our program for religious institutions, written through the member companies of the Utica National Insurance Group, you will be protected against losses such as these ... plus much more.

Program Highlights Include:
Commercial Property: Building & business personal property.

General Liability: Covers bodily injury, property damage, personal injury, advertising injury, products hazards & completed operations.

And That's Not All...
We realize that different religious institutions have different coverage requirements. That’s why we’ve developed our religious institutions enhancements that let you tailor your policy to your particular needs. Some of the coverages are:

• Building ordinance or law coverage includes loss to the undamaged portion of your building, demolition costs and increased costs of construction.
• Pollution coverage provides additional coverage for pollution caused by covered
  losses.
• Employees, as well as members, officials, clergy, board members & volunteers working for the religious institutions are covered as additional insureds.
• Money & Securities are covered for losses caused by theft, disappearance or destruction.
• Business income and extra expense covers actual losses you sustain, up to 12 months.

Completing Your Portfolio
Round out your insurance program of protection by reviewing your needs with your agent who can best blend your needs with the coverages available.

• Commercial Auto — Liability and physical damage coverage for owned autos and
  service vehicles, such as buses, as well as liability for non-owned and hired vehicles.
• Computer Coverage — Safeguards small computer equipment. Breakdown coverage is also available.
• Inland Marine — Protection for fine arts, musical instruments and other religious accoutrements.
• Umbrella — An essential addition to your policy which offers $1,000,000 of coverage for qualifying accounts (higher limits are available).
  Workers Compensation — Available in most states at competitive rates, completing your insurance package.

An Important Feature:
Waiver of Subrogation Clause: Ordinarily, if damages to your property are caused by an organization that uses your premises with your permission, as your insurer we would have the right under the property policy to make a claim against the organization for its liability. With this waiver, we give up that right. This takes into account the fact that most organizations using your premises are performing charitable or community service functions and it could be both embarrassing and
contradictory to the spirit and objective of your religious institution to take action that could harm these organizations.

So Why Choose Utica for Your Religious Institutions?
We believe that the coverages offered in our Program for Religious Institutions are the best and most comprehensive available.

• We have provided specialized protection to the religious community for over 45 years. Founded in 1914, we are an established company with a solid reputation.
• Our claims offices are staffed with experts who know your needs and stand ready to
  provide prompt and fair claims service, 24-hours-a-day, 7-days-a-week.
• Our Risk Management representatives are available to help you assess problem areas and offer assistance to help reduce losses by identifying hazards and helping to establish your own safety program. We also offer Risk Management Alerts that provide you with important tips and information specific to your operations.
• We offer flexible payment plans for qualifying accounts that allow you to pick your
  own payment schedule, interest free.
• You receive professional insurance counsel ing from your local independent agent.
  They know insurance, your religious institution and your locality.

Additional Protection Especially for Religious Institutions

• Stained Glass which is part of the religious institution’s structure can be included for
  coverage in the Commercial Package Policy. When the exterior of the building is covered by protective material such as wire glass or Plexiglass, no deductible applies to a building stained glass loss.
• Clergy Person Legal Liability Insurance protects your clergy against claims arising
  from professional counseling.
• Directors & Officers Professional Liability is an important coverage that provides
  liability protection to your board members while performing their duties.
• Sexual Misconduct/Molestation Liability protects the religious institution against
  claims alleging sexual misconduct or molestation.
• Pricing Advantage. By specializing in insuring religious institutions, we are able to
  offer you preferred pricing for qualified accounts. Many times we are able to
  expand coverage along with reducing your insurance costs — the best value at the
  best price.