Mission Trips: More Than "Just Do It" Situations

Participating in a mission trip is a great way to make a positive difference in today’s chaotic world. Before your ministry leaves on its next missions adventure, make sure you are organized and equipped for a safe trip.

Here are six ideas to consider before embarking on your next mission trip:

1. Recognize the risks. When embarking on a mission trip, your team is likely to be exposed to unfamiliar risks. Some may involve vehicle accidents, particularly if you’re in a foreign country. Many others are associated with your mission activities—sermons, handing out tracts, biblical dramas, worship or healing services, and other religious communications that can result in allegations of emotional injury.

2. Get Organized. Appoint a team leader who will attend to the details of your trip and take the initiative to associate your team with a legitimate relief organization.

3. Stop before you go. If you are driving, be sure to have your church vehicles inspected before you leave. Repairs can be costly and tough to come by in other countries.

4. Keep the doctor away. Make sure everyone going on the trip is in good health. Require an up-to-date shot record and a signed medical release form from every team member. Prepare your team for potential injuries and be sure to identify a hospital or emergency room nearest your mission site in case someone on your team is hurt in the field.

5. Protect your valuables. Leave duplicate copies of important documentation at home in case you lose yours while traveling or need a back-up copy for some unexpected reason. Also, notify credit card companies that you are leaving the country so they don’t get suspicious of unusual activity on your card. Suggest that other team members do the same.

6. Consider coverage. Consider Brotherhood Mutual’s Faith Ventures foreign travel insurance for the trip. Make sure all team members have health insurance and additional accident and sickness coverage. Also, check to make sure that all church employees participating in the trip are covered by the church’s workers’ compensation insurance.

June 19, 2017
Off-Site Youth Activities
Off-Site Youth Activities

Snow skiing. Camping. Whitewater rafting. A youth group trip can give students an exciting diversion from their weekly routines, as well as an opportunity to strengthen healthy friendships. Off-site activities may challenge your students to step outside of their comfort zones a bit, but this can bring about a positive result.

Tags: youth, insurance, safety
June 7, 2017
Insurance Protection Should Accompany Every Mission Trip
Insurance Protection Should Accompany Every Mission Trip

If you are in the process of planning a mission trip for your church group, make sure to think carefully about insurance, safety, and security as you hammer out the details. Extra preparation could minimize headaches when your group arrives on the mission field.

Tags: mission insurance, foreign travel, liability, coverage
May 24, 2017
Think Before You Loan Your Ministry's Vehicles
Think Before You Loan Your Ministry's Vehicles

Has your church or school ever been asked to loan one of your vans or buses to another? Before you decide to loan your ministry vehicles to another organization, seriously consider the potential risks associated with such a decision.

Tags: auto insurance, loaning vehicles
March 29, 2017
Has Your Church Completed a Personal Property Inventory?
Has Your Church Completed a Personal Property Inventory?

Completing a personal property inventory of your church or ministry could be one of the wisest activities you can pursue. If disaster strikes and you file an insurance claim, you may need an inventory highlighting damaged items.

Tags: claims, coverage, insurance, property
March 15, 2017
Is Your Ministry as Safe as It Could Be?
Is Your Ministry as Safe as It Could Be?

Have you thought through potential dangers that may confront your ministry? Taking steps to consider and address these risks provides important protection from injuries, lawsuits, fires, and dozens of other hazards that may affect your ministry, especially your employees and those you serve.

Tags: safety, security, security team, protecting staff members, risk management
February 22, 2017
Health Care Reimbursement Option Now Available
Health Care Reimbursement Option Now Available

Small businesses—including churches and related ministries—can once again pay premiums for their employees’ health insurance. Previously known as an Employer Payment Plan (EPP) or Health Reimbursement Account (HRA), these arrangements violated the Affordable Care Act (ACA). However, due to a recently passed law, ministries that are not part of a group health plan now have another option to help employees with health care costs.

Tags: church staff, health insurance
February 15, 2017
IRS Warns of Dangerous W-2 Email Scam
IRS Warns of Dangerous W-2 Email Scam

Ministries beware: An email scheme, designed to coincide with tax season, asks payroll and human resource professionals to disclose employees’ personal information. Think you wouldn’t fall for such a scam? You might, if the email looks as if it came from someone in your ministry.

Tags: paying employees, cyber security, church staff, security, damages, digital, IRS regulations
February 1, 2017
Dual Tax Status: What Does It Mean for Your Pastor?
Dual Tax Status: What Does It Mean for Your Pastor?

Under federal law, most ministers have dual tax status. Dual tax status means a minister is an employee of the church for federal income tax purposes, and self-employed for Social Security and Medicare taxes. Here’s what you need to know.

Tags: church payroll, finance, IRS regulations, paying employees, tax code
January 18, 2017
Protect Your Board Against Lawsuits
Protect Your Board Against Lawsuits

Lawsuits against churches and ministries are on the rise, making their board members especially vulnerable. Sometimes, courts have found directors and officers personally liable when their actions have resulted in financial damages.

Tags: protect, directors and officers, protecting staff members
January 4, 2017
Incorporation Can Protect Church Members
Incorporation Can Protect Church Members

Incorporation takes the weight of responsibility off the shoulders of individuals and instead, places it on the organization. In contrast, a court may find all members of an unincorporated church legally responsible for negligent or criminal actions committed by one church member.

Tags: protect, directors and officers, protecting staff members
December 14, 2016
How Well Does Your Ministry Secure Personal Data?
How Well Does Your Ministry Secure Personal Data?

Ministries commonly store a variety of personal information about their members and the people who support them. Mailing lists and donation records may be the most familiar repositories of personal information; however, the average church database is also likely to include Social Security numbers and payment card information. Unsecured, this data could make church members vulnerable to criminals—putting church and ministry members at risk.

Tags: cyber security, digital, protect, risk, church offerings, financial gifts, liability, security
December 7, 2016
Keep Would-Be Thieves from Curbing your Christmas Joy
Keep Would-Be Thieves from Curbing your Christmas Joy

Large or small, churches and ministries are often easy prey for would-be thieves, especially as church holidays, like Christmas, approach and weekly offerings increase as more people return to worship and other ministry activities. Ministry leaders can boost their ability to keep thieves away from their contributions and property by taking just a few precautions—not only during the holidays, but also throughout the year.

Tags: liability, damages, protect, directors and officers, coverage, liability, protect, risk, safety, church offerings, financial gifts
November 30, 2016
Are Your Church Christmas Decorations a Fire Hazard?
Are Your Church Christmas Decorations a Fire Hazard?

Churches seldom look more beautiful than when they're decorated for the holidays. Candles, lights, and greenery add splendor to the celebration of Christ's birth. Unfortunately, they also contribute to a number of fires each December. As you haul out the decorations, remember to balance beauty with safety.

 

Tags: liability, damages, protect, liability, protect, risk, safety, fire prevention
November 16, 2016
Always Looking for Church Nursery Volunteers?
Always Looking for Church Nursery Volunteers?

Having a hard time finding people to serve in the church nursery? Do new volunteers stop serving, shortly after they begin?  There could be a number of reasons for that.

Tags: liability, protect, risk, safety, youth, volunteers
November 9, 2016
Take Steps to Prevent the Flu
Take Steps to Prevent the Flu

Do you remember the last time you caught the flu? You probably sneezed and coughed and ached all over, resting your stuffy head by a box of tissues and wishing you had the energy to do more than lie there. Well, it’s time to watch out. The flu virus is preparing to pounce again.  

Tags: cyber security, digital, protect, risk, health safety, risk
October 26, 2016
Safety Makes for an Enjoyable Hayride
Safety Makes for an Enjoyable Hayride

Every fall, thousands of churches across the nation sponsor hayrides. Unfortunately, these events sometimes lead to serious injuries, even deaths. By following these suggestions, you can minimize the risks involved in sponsoring hayrides and make your hayride a safe and enjoyable experience.

Tags: cyber security, digital, protect, risk, liability, outdoor activities, protect, risk, safety
September 14, 2016
New Overtime Ruling Takes Effect in December
New Overtime Ruling Takes Effect in December

Last May, the United States Department of Labor announced a new standard for determining who qualifies as an exempt employee under the Fair Labor Standards Act. The new ruling says that if an employee earns less than $47,476 per year ($913 per week), then in most cases the employee needs to be classified as non-exempt. This change will take effect December 1, 2016.

Tags: liability, damages, protect, directors and officers, coverage, church payroll, church staff, paying employees, Fair Labor Standards Act
September 7, 2016
Ministries Can Take Steps to Protect their Beliefs
Ministries Can Take Steps to Protect their Beliefs

Issues related to sexual orientation and gender identity (SOGI) laws have received a great deal of media and government attention since the 2015 Supreme Court decision on same-sex marriage. As a result, many ministry leaders have questions about what the law requires and how they can accommodate LGBTQ* individuals without compromising their religious beliefs.

 

Tags: cyber security, digital, protect, risk, liability, insurance, protect, religious freedom
August 31, 2016
Take the Confusion out of Borrowing or Leasing Vehicles
Take the Confusion out of Borrowing or Leasing Vehicles

From time to time, your church or ministry may need to borrow or lease a vehicle for a special event. Before using a vehicle that you don’t own, you need to consider a number of factors.

Tags: liability, auto insurance
August 24, 2016
Knowing the Terms Can Help You Understand Your Auto Policy
Knowing the Terms Can Help You Understand Your Auto Policy

Understanding your commercial auto insurance policy can sometimes seem as complicated as navigating rush-hour traffic in a crowded church bus. It doesn’t have to be intimating, if you know some of the common components and terms that every insurance policy includes.

Tags: liability, auto insurance