When we purchase insurance, we are looking to transfer the possibility of a relatively large loss in exchange for known payments otherwise known as “premium.” This can ...
Anything that takes your awareness away from driving can be detrimental and dangerous. Distractions can be visual (taking your eyes off the road), manual (taking your hands off the...
The largest claim ever paid through Adventist Risk Management, Inc. (ARM) is for liability claims generated by an organization we did not own. Further, this organization was not pa...
It was a strange day in Riverside, California. I was about to leave work when I received a call from my daughter who told me that two tornadoes had just touched down a few miles fr...
On a national level, fires at religious and funeral properties occur an average of 34 times each week.[i] In fact, since 2015, Adventist Risk Management, Inc. (ARM) has received 21...
You’ve been informed that someone has been arrested or that a registered sex offender is present in your congregation. What do you do?
What does 2023 hold for your ministry? Of course, no one can predict exactly what each year brings, but we can expect a unique mix of opportunity and adversity.
Looking at campgrounds for your small group retreat? Hoping to finally rent that commercial copy machine for your local church? Wondering if you should sign a contract with the new...
George stared in horror at the water dripping from the hole in the ceiling where the tiles had fallen away. Water splashed at his feet as he stood in the sanctuary of his precious ...
After a serious accident with a 15-passenger van, the press begins asking why a highly unsafe vehicle was being operated. An individual sues because they were injured on someone&rs...