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yoppy man's avatar

I am relatively new to our church Security Team (ST). I immediately began asking some "hard questions" of the Team and its leader... important things like training performed and planned, policies, protocols, and insurance/defense coverage (both for individual ministry volunteers in the church and for the church itself through the church's liability insurance policy), etc.

My concerns were many, as the ST was very disjointed and shockingly untrained. I finally asked our church's insurance broker for clarification on whether our ST members and our church had insurance coverage for defense and indemnification. Although not surprised, I was aghast to discover that neither our church nor the individual ST members would be "covered" if an event were to occur and ST members and/or the church were named in a lawsuit.

Commercial liability insurance policies are typically not allowed (by law) to defend criminal acts or omissions. Alleged negligence is "covered" for most activities that are church-related, BUT NOT FOR ACTS OR OMISSIONS RELATED TO A SECURITY TEAM.

THIS IS NOT A SALES PITCH... AS I HAVE NO FINANCIAL INTEREST IN AOR, but I personally purchase defense legal representation through an attorney network called Attorneys on Retainer (AOR). They will defend me in BOTH criminal and civil cases. There is no indemnification through AOR. Indemnification is defined as compensation for losses, damages, or liabilities which may include legal fees (there are none with AOR), settlements, or direct damages.

If you are part of an official church Security Team, please be aware of this situation regarding insurance coverage. As an official ST member, if you decide to act (or not act) in a church-related situation, you are doing so at your own financial peril, particularly if you do not have "pre-paid" personal legal defense counsel arranged beforehand. You risk losing your personal assets in a bad civil judgment or in the case of huge legal bills in either a criminal or civil action against you. Your church also risks liability insurance cancellation and dire financial risk.

I am officially resigning from the Security Team now that this discovery has been revealed. Will I still carry concealed and act as a "Good Samaritan", if necessary? Absolutely!

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Kevin Soloman's avatar

Thank you. I really hope our people will start to Understand how Truly dangerous these times are for Churches, Our Families and especially Our children.

Thank you for giving us extremely good information and guidelines as to how We should proceed, I'm very appreciative.

My biggest concern is Outdoor Events that are in open areas. Most "Nice" Americans have never been out of Country and and understand these very real Dangers, and don't think it could happen here, or to Their Churches. It's that Lack of knowledge, or naivety that Our enemy is counting on!

I Pray more people will wake up and understand They Must take some responsibility to not Only protect themselves, but our most vulnerable.

Thank you again for your Real World advice.

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