Risk Management

In today’s complex legal environment, you and your organization are exposed to many types of property and liability risks and potential losses. It is vital that your organization is protected against these risks, some examples of risks include:

Liability Exposures

Property Exposures

Solutions for your risk management needs

Spracklen Insurance provides extensive coverage for your ministry operations. The free Safechurch website includes access to safety checklists, procedures, and helpful risk management forms and downloadable policy samples for your ministry operations.

New SafeChurch materials provide risk management assessments and training modules that can help you shield your assets and slice your premiums. In order to register or view the SafeChurch website go to www.safechurch.com.

Spracklen Insurance is a regional sponsor that underwrites the child protection plan seminars presented by the Director of Risk Management of Kanakuk Kamps, Mr. Rick Braschler. Spracklen Insurance offers sponsorships to its youth serving organization clients to attend the seminar at a discounted rate. During the full day seminar, attendees learn key abuser, victim and bystander statistics, faulty strategies, abuse case studies and the Six Grooming Stages. As well as, the Kanakuk Abuser Behavior Map, Child Protection Strategy including a full color workbook, policy manual, procedures, training forms and checklists both in hard copy and digital format. The attendees will be best prepared to protect the youth and children it serves against child predators. For more information see, www.kanakukchildprotection.org/training.

With a large majority of business being done utilizing the Internet, cyber crime is on the rise.  Many organizations are unaware that standard insurance policies they have agreed to exclude cyber coverage.  We pride ourselves in offering coverage that will provide safety and security in all areas of your organization.  When developing a plan it is important to understand every aspect to find if there are any gaps in coverage.  Spracklen Insurance excels in the following areas relating to cyber insurance.

Spracklen Insurance thrives to protect your cyber liability needs; therefore, we provide Cyber Liability Coverage using GuideOne policies. These policies include network security and privacy, electronic media, fund transfers, and privacy breaches. Explanations are given below:

Network Security and Privacy Liability

Network Security and Privacy Liability covers liability caused by third party viruses and includes liability for corruption caused by theft or loss of information.

Electronic Media Liability

Protects against infringement of copyrights, trademarks, slogans, plagiarism, defamation, or slander, as well as, an offense of a person’s right to privacy due to adding something to your website.

Funds Transfer Fraud Liability

Covers actual or alleged acts, errors, omissions, negligence or breaches of duty that result in

an outside individual accessing bank account information of others through the named insured’s computer system, and making fraudulent electronic funds transfers out of those accounts.

Privacy Breach Expenses

Covers costs you incur following a privacy breach. Covered expenses include computer forensic expenses, notification costs, credit monitoring services and other costs to comply with breach notification laws.