6 Tips to Mitigate Cold Weather Problems

6 Tips to Mitigate Cold Weather Problems

Legacy Series

The Weather Channel says this winter could be colder than normal…and with frigid temperatures as they are, I find that easy to believe.

Freezing Pipes is both one of the most intrusive negative consequences of cold weather AND one of the most preventable. “Intrusive” not only because the average financial cost exceeds $6,000, but it can also prevent important church activities.  Not just regular services, but what about ministries that have a food pantry or offer other critical ministries?

At a minimum, have you prepared for the upcoming cold weather by doing the following (Tips below from a 2014 Brotherhood Mutual report…costs may have increased since then)?

  1. Insulated pipes (approximately $1/ft.)
  2. During hard freeze’s run water the thickness of a pencil lead (using hot and cold water) (water cost = less than $.20 per faucet per day)
  3. Prop open interior doors and cabinets (Free)
  4. Install Water Alarms (Alarm calls your phone when a leak is detected – about $100)
  5. Insulate Attic (R-30 fiberglass insulation = about $1.50/ sq. ft.)
  6. Clear Snow From the Roof (Roof rake = about $40)

Contact us today if you have questions or you are looking for additional insurance coverage.  We specialize in insurance for churches, camps, schools and ministries!

Three Church Fraud Truths

Three Church Fraud Truths

Legacy Series


1. Truth #1: Church Fraud is Prevalent.

One third of all congregations will fall victim to fraud – If a third of all churches are victims of fraud, what is the chance that this is happening right now at your church? Because…most frauds go on for 18 months before getting caught.

2. Truth #2: Church Fraud is also Costly

According to statistics by the Association of Certified Fraud Examiners, religious and charitable organizations experienced a median loss of $80,000 check my blog.
But what about other potential issues fraud (or embezzlement) can induce?
– IRS Issues
– Damaged Reputation
– Confrontation

3. Truth #3: Church Fraud is often committed by whom you least suspect

According to statistics by the Association of Certified Fraud Examiners, 95 percent of all fraud cases reviewed, the perpetrator was a first-time offender with no prior criminal conviction.
And, sadly, in most cases the offender is one of the most trusted people in the church who’s pilfering from the collection plate, or diverting funds from the church budget or investment accounts.

There is Good News:

1. Fraud CAN be prevented.

The number one deterrent of fraud is the fear of getting caught – Create policies, procedures and controls so any would be thief will think twice about stealing God supplied church resources. Talk about the church’s commitment to safeguard resources and put potential thieves on notice that your church is watching.

2. I can help provide appropriate policies and procedures.

3. Most insurance policies do provide coverage but with stipulations and limitations you need to know. Please contact me so that we can discuss this.

Spock, the Church and Earthquakes

Spock, the Church and Earthquakes

Legacy Series

Would Spock buy insurance?

My manager, Paul Glidewell, has recently been theorizing as to whether or not Spock (yes, that Spock) would purchase earthquake insurance.

Paul was focusing on homeowners.  However, where would the money come from to repair your church building if your Church suffered Earthquake damage?  Or a flooding?  Awhile back I addressed this in the following video:

I suspect Spock would want to contact me directly, and you can too online-apteekki.com/!  Please contact us for information on Earthquake or Flooding insurance for your ministry.

And if you would like to receive the conclusion and answer as to whether or not Spock would purchase Earthquake insurance please sign up here.

Seth Lodine

Tel:  (406) 284-7070

Speaking of Taxes and Ministries…

Speaking of Taxes and Ministries…

Legacy Series


I share this Peanuts joke because I have some valuable information that I’m concerned will come across as dreary…and if anyone can bring levity to taxes…it’s Snoopy.

Just a reminder to the ministries with whom we work:
1 köpa viagra.       Some ministries, unwittingly, are out of compliance with IRS payroll tax code (at the bottom of this e-mail are some helpful links).

2.       Brotherhood Mutual offers a payroll service that is designed exclusively for ministries.  As always, if you have questions or concerns please contact me at (406) 258-0029 or my associate Christopher Van Note at (406) 284-7077

Thanks, and as promised above, here are some helpful links:
* A 2014 Forbes article (forbes.com/sites/robertwood/2014/08/14/shocking-report-says-nonprofits-owe-875-million-in-taxes-to-irs/#48269ab83806  that reminds ministries of the importance of ensuring your ministry is in compliance (infractions could even apply to Officers and Directors of the ministry).
* Information on “Ministry Works”, the Payroll Service through Brotherhood Mutual – myministryinsurance.com/church-insurance-resources/ministryworks-payroll-services/

BTW –  Your ministry does not have to be insured by Brotherhood Mutual to utilize this Payroll Service.