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Category: Pastoral Charges

Insurance costs for churches and other ministries have increased dramatically in recent years - in many cases even doubling.  In response, the national church has implemented an insurance program aimed at reducing or at least stabilizing annual premiums. This is done by establishing what is called a captive insurance company whose primary purpose is to administer insurance cost effectively as opposed to make a profit.  This is achieved by eliminating the profit component, eliminating local...