Loomis Insurance Blog

When it comes to roofing, insurance companies evaluate the overall condition and age of the entire roof system—not just recently repaired or replaced sections. While replacing damaged portions can help extend a roof's service life, older roof components still present a significant risk and can impact insurance coverage decisions. Deferred maintenance, patch repairs, and partial replacements may not provide the same protection as a complete roof replacement when age-related de

Risk Management Article It’s a sunny summer afternoon, a perfect day to host a picnic at your ministry. Children are laughing and jumping around in a brightly colored inflatable bounce house. Everything seems perfect until a sudden gust of wind lifts the inflatable off the ground. Inflatable amusements like bounce houses, slides, and mazes can provide a lot of fun for children. They also can lead to fractures, sprains, knocked out teeth, burns, and head injuries. Your ministr

Risk Management Article Taking charge of youth starts well before the registration process. Prior to opening your doors to participants, take the time to scrutinize your procedures and find the safety gaps in your program. Creating Safe Spaces Every worker or volunteer should complete an application and undergo a screening process—no exceptions, even for those you feel you know well. Your background screening process should include: An application. Personal and professional

Many headlines in our world are focused on disruption, distraction, and destruction of property and individual rights, and have recently filtered into the church world. From chaos in church services, persecution of Christians, and terroristic activities in synagogues, we have seen an increased need for effective planning to include security details and timely responses for disruptive individuals and groups. Brotherhood Mutual Insurance Company has created some documents and