Zurich North America Compared To Church Mutual Programs FOR AME CHURCH INSURANCE

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Services for Real Estate Pros with MANN CONSULTING
Carrier Name Church Mutualhttp://www.manninsurance.net/church_program.html Zurich
Coverage  Limit Premium Notes Limit Premium Notes
Property 13,073,000 $14,755   13,073,000 $18,439  
Liability $1M/$3M   $300K Prop dam legal lia $1M/$3M $1,709  
Auto   $1,463     $1,273  
WC   ?$2,796? unsure what current prem is   $2,796  
Abuse $300,000 included   1,000,000 $732  
Umbrella   N/A   $1,000,000 $450  
Total   $19,014     $25,399  
          $24,586 Final Quote after UWconsideration
Pkg Built in Coverage Property          
Accounts Receivable       $25,000    
Antennae and Satellites       $1,000   $1,000 deductible
Money & Securities $25,000   100 deduct, X2 Holidays $50,000/$25,000   $50K in / $25K out
Blanket Bond $25,000          
Identity Theft $15,000   Case Mgt 12 months      
Fine Arts $30,000   250 decuctible $30,000   $1,000 deductible
Newly Constructed Bldg $1,500,000   up to 180 days $500,000   $1,000 ded - up to 180 days
Newly acquired Bldg $1,500,000   up to 180 days $500,000   $1,000 ded - up to 180 days
Pers. Prop at Newly Acq Locas     $250,000   $1,000 ded - up to 180 days
Personal Property Others $10,000          
Bus Pers Prop Clergy $25,000          
Tools & equipment $5,000     $5,000   $1,000 deductible
Valuable Pap & comp records $15,000     $25,000    
Prop temp off premises $25,000   up to 180 days $25,000   $1,000 deductible
Outdoor tress & plants $10,000   up to $1,000 per item $10,000   $1,000/per item and $1,000 ded
Outdoor structures $10,000          
Dwellings for related structures   10% of policy limit      
Property in dwelling     5% of policy limit      
Loss of dwelling rental value     5% of policy limit      
Additional living expenses     10% of policy limit      
Debris removal     25%limit pluse $15,000 $10,000   each location
Prop moved off premises     for up to 30 days      
Fire Dept service charges $30,000     $10,000    
Recharge fire extinguishers     actual cost covered $1,000    
Loss of Business income $20,000   and extra operation exp ALS   12 months actual loss sustained
Lock repair if stolen keys $1,000     $1,000    
Food spoilage $2,000   for off premise power fail $5,000   $1,000 deductible
Arson Reward $10,000          
Pollution Clean up $10,000     $10,000   $1,000 ded
Demolition undamaged building $100,000          
Employee Dishonesty       $10,000    
Back up of Sewers/Drains       $25,000   per loca - $1,000 ded
Building Ordinance or Law       $50,000    
Full Glass Breakage       included   $1,000 ded
Theft of Personal Prop       included   $1,000 ded
Equipment Breakdown       included   $1,000 ded
Forgery or Alteration       $10,000    
Free Standing Fences/Walls       $2,500   $1000 ded
Inventory/Appraisal       $5,000    
Money Orders/Counterfeit Currency     $5,000    
Off Prem Power/Water Failure     $10,000   $1,000 ded
Personal Property - EE's       $2,500   $1,000 ded
Signs       $5,000   $1,000 ded
Personal Property in Transit       $2,500   $1,000 ded
Peak Season Pers Prop Incr           50% of limit
             
             
Built in coverage Liability           
Medical expenses $10,000   Per person per occurrence $10,000    
Loss of life $10,000   Per person $20K per acc.      
Sexual Abuse $300,000   per claim and aggregate $1,000,000   $1,000 deductible
Hired & nonowned auto $1M/$3M     $1,000,000    
Rented vehicle $100,000   $250 deductible $1,000,000   hired/non-owned
Damage to property of others $500          
Legal Defense $5K/$15K     unlimited   not incl in pol limit
Catastrophic Violence $50K/$300K $300K limit for policy term      
Professional Liability $1M/$3M   Counseling Prof Liab $1M/$3M   Counseling Prof Liab
D&O $1M   $1,000 retention w retro date $1M/$3M   D & O Liab
Affiliated entity dispute $25K/$50K   add on to D&O      
         http://www.manninsurance.net/church_program.html    
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
             
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