End of the year insurance planning tips!

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It’s hard to believe but 2022 will be over before we know it. However, now is the perfect time to be thinking about if your insurance has been working for you over the past year and what opportunities might be available to enhance your coverage and possibly save money today and in 2023.

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Here are some quick tips to consider.

Start early!

The holidays are a busy period for most. Give yourself time to go over your insurance needs now to avoid scrambling in the future. You might want time to shop your coverage for a better rate, review your current coverage to see if it’s still appropriate, or explore the addition or removal of insurance products.

Focus on savings

Prices on most things are going up but insurance doesn’t have to be one of them. There may be opportunities to save by shopping your coverage with multiple carriers. Bonus- if you find a better rate now, you could start saving before the end of the year!

Have your operations changed?

If your church operations have changed, this could affect your insurance premium and recommended coverages. For example, if you’ve added/removed staff, started a daycare, or increased events, it’s important that your protection reflects that. Speak to your agent or carrier to notify them of any changes to your ministry.

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Has your property changed?

Your coverage should cover your current property. If you have added or removed property or made enhancements to it, this can affect your insurance. Examples of property enhancements might include updated plumbing, roofing, electrical or the installation of security systems.

Inspect primary systems

The Fall is a good time to have your primary systems (plumbing, heating, electrical, ventilation, etc.) checked to ensure that they are in proper working order before winter. A burst pipe or hazardous electrical system can result in substantial property damage. Taking care of any issues identified now can help your church save money in the future.