Halloween Costume ideas 2015
ZinPlus.Blogspot.Com tutorial, Tips and trick insurance life..
Latest Post

The City of Orange is where the Crystal Cathedral got its start when they first started meeting in a local drive-in theater.  Today another Orange church had a drive-in experience (from the OC Register):
A woman suffered moderate injuries after she crashed her vehicle into a church Thursday morning, authorities said.


Police got a call shortly after 10 a.m. regarding a crash at the Heritage Christian Fellowship, 7436 E. Chapman Ave., near Newport Boulevard, authorities said.

Officers found a Toyota Camry driven by a woman crashed through a glass door and window, Orange police Sgt. Dan Adams said.
Turns out there really isn't room in the sanctuary for parking, so next week they'll have to leave their cars outside like usual.

If the church doesn't own that building they'll find out how good their liability coverage is, especially if the driver's insurance is insufficient.  Many policies for tenants exclude coverage for the building they're renting.

A church's nightmare:
A 1-year-old boy is dead after he drowned in an Indianapolis church’s baptismal pool Wednesday.

Indianapolis police said the boy — identified as Juan Cardenas in several reports — went missing for a short period, presumably having wandered off from the supervision of childcare staff members at the Praise Fellowship Assembly of God. There, eight employees monitor between 30 and 45 children.

The child wasn’t discovered missing until his therapist arrived for a session and couldn’t find him. The daycare employees then found him floating in two-feet of water in the pool. He was transported in critical condition to St. Vincent’s Hospital where he was later declared dead.
Whatever the church's liability limits are, they're going to use all of it...and probably then some.

Having spent 9 years in the church insurance business, which included providing coverage for dozens of churches that met in schools, this could start a troubling trend across the country:
The Supreme Court has rejected an evangelical church’s plea to overturn New York City’s ban on renting public schools for religious worship services. That means the city now has a green light to begin evicting congregations who pay rent to use public school buildings for church services.

The Supreme Court’s decision not to hear the case leaves in place a federal appeals court ruling that upheld the city’s policy.

The court case involved the Bronx Household of Faith – a church that paid weekly rent to hold worship services at a public school since 2002. The church, along with five dozen other congregations, was allowed to continue worshipping at public schools pending the outcome of the lawsuit.

It’s a sad day for religious liberty,” said Jordan Lorence, the church’s attorney and senior counsel for the Alliance Defense Fund. “Churches and religious other groups should be allowed to meet in public buildings on the same terms as other community groups and they’re being denied that in New York City.”
Look at the twisted reasoning that went into this decision:
The 2nd U.S. Circuit Court of Appeals determined that allowing churches to use schools resulted in an “unintended bias in favor of Christian religions” – since most Christian churches worship on Sunday.

“Jews and Muslims generally cannot use school facilities for their services because the facilities are often unavailable on the days that their religions principally prescribe for services,” Judge Pierre Leval declared. “At least one request(ed) to hold Jewish services (in a school building used for Christian services on Sundays) was denied because the building was unavailable on Saturdays. This contributes to a perception of public schools as Christian churches, but not synagogues or mosques.”

Judge Leval also took issue with the evangelical church’s membership. “Bronx Household acknowledges that it excludes persons not baptized, as well as persons who have been excommunicated or who advocate the Islamic religion, from full participation in its services.” Leval wrote.

But it all boiled down to a key point, the judges decided. “In the end, we think the board could have reasonably concluded that what the public would see, were the Board not to exclude religious worship services, is public schools, which serve on Sundays as state-sponsored Christian churches,” Leval wrote.
This is stupid on so many levels. Although I believe a city or school district should have the right to determine who uses their facilities and when, schools are being hammered all across the country with budget cuts. These churches provide much needed revenue to the districts, and they're generally very good tenants, careful not to mess up teacher's rooms or in any way do damage to the school facility. This is easy money for the districts, but the anti-religious zealots just can't stand the idea that something that values God can have any contact with a public facility.

During my insurance days I insured all kinds of denominations that met in public schools.  Never once did a school district apply any sort of standard as far as the type of church they allowed, nor did they provide any kind of support that could be misconstrued as "state sponsoring".  The judge's ruling is nonsense.

Churches that meet in schools in other parts of the country should take note and have contingency plans at the ready. The anti-religious activists will be emboldened by this decision and will seek to spread their bias nationwide.

Having been in the church insurance business I know there are a variety of people out there with grudges against churches that can actually provoke them to try and burn the building.  However, this one is unusual even for that crowd:
A Huntington Beach man pleaded guilty Tuesday to arson and other charges for setting three fires at an Irvine church and attempting to set a fourth.

Izad Chavoshan, 32, faces a sentence from Superior Court Judge Craig E. Robison on Aug. 19 ranging from probation to 20 years in prison.

Chavoshan pleaded guilty to three counts of arson, one count of attempted arson and a hate crime sentencing enhancement. He also has a prior strike conviction for criminal threats in 1998.

Prosecutors contended that Chavoshan drove to the Orange County Church of Christ in Irvine on three nights between Oct. 15, 2009, and Oct. 19, 2009, moved trash cans to the front of the church and set them on fire. Church employees reported the fires to Irvine police, who monitored the church Oct. 21, 2009.

Chavoshan returned to the church on that night and repeatedly threw a trash can at the glass portion of the front doors, according to a news release from the Orange County District Attorney's Office. He then removed a pack of matches from his pocket, lighted a piece of paper and attempted to push it between the closed church doors, prosecutors said.

He was arrested at the scene.
And here comes the reason for his arsonist rage:
Prosecutors said Chavoshan was disgruntled with the church's teachings against masturbation.
Well, he'll have plenty of opportunity to contemplate that issue in the state prison.

This picture was taken in a teacher's lounge inside a high school in Wausau, WI.  It identifies Wisconsin companies the unions accuse of supporting Gov. Scott Walker (h/t Gateway Pundit):
I used to work for one of those companies - Church Mutual, based in Merrill, WI.  I don't remember them being particularly political, but I never really saw their political activities in Wisconsin.

Given how few of the most activist union teachers actually attend church, I doubt it will be much of a threat to their business.

I missed this story when it originally ran on May 28, 2010, but it was pointed out to me by a former Church Mutual agent:
A.M. Best Co. has downgraded the financial strength rating to A (Excellent) from A (Superior) and issuer credit rating to “a ” from “aa-” of Church Mutual Insurance Company (Church Mutual) (Merrill, WI). The outlook for both ratings has been revised to stable from negative.

The rating actions reflect the sharp decline in Church Mutual’s reported underwriting performance in 2008, 2009 and through first-quarter 2010, driven primarily by competitive market conditions and significant catastrophe-related losses recorded in these years. As a result, Church Mutual’s underwriting results and operating performance measures have deteriorated to levels that are no longer reflective of a Superior-rated company.

Church Mutual recorded an underwriting loss of $24.2 million in 2009, following an underwriting loss of $26.9 million in 2008. In addition, the company reported an $11.1 million underwriting loss in first quarter 2010. Church Mutual’s catastrophe-related losses were driven by losses associated with the high frequency of weather-related events in 2008 and 2009 and the severity of Hurricane Ike in 2008.

The rating actions also consider A.M. Best’s concern that Church Mutual’s operating earnings will not return to historical levels, given the ongoing challenges the company faces to improve underwriting results over the near term due to the competitive environment in its specialty niche market and its continued exposure to weather-related losses. Additionally, given the magnitude of Church Mutual’s catastrophe-related losses in recent years, in addition to the high level of investment losses posted in 2008, A.M. Best remains concerned with management’s overall risk management.
From personal experience I can tell you that Church Mutual was almost paranoid about maintaining their A+ Superior rating, and agents were instructed to make that a regular selling point against the opposition (not that most customers really cared). At that time I think they'd had the rating for almost 50 years.  One year we had to practically shut down all new policy production by September because they were afraid their reserve situation and A.M. Best rating would be imperiled if we put too much business on the books.  Things must have really begun to go south if they were finally downgraded.

I guess they don't have to worry about that anymore.

I left the business in 2007.  Things started going bad in 2008 and 2009.  Just sayin'.

MKRdezign

Cong Tu Nha Que

Contact Form

Name

Email *

Message *

Powered by Blogger.
Javascript DisablePlease Enable Javascript To See All Widget