Why is insurance important?
- Insurance is a protection against loss, especially catastrophic loss, should something negative happen. Quality insurance is necessary to protect the organization, board members, staff and volunteers. Insurance, when needed, helps restore damage to resume serving and fulfilling the mission
What are key insurance products to look for when selecting insurance coverage?
- General liability (theft, slip and fall).
- D&O (Directors’ and Officers’ Liability) to cover the cost of defending against a legal action or the possibility of personal liability, especially related to hiring and firing of employees.
- Professional liability that covers staff, including peer-counselor and volunteer liability.
- Liability coverage for medical personnel, if you are a clinic.
How did Heartbeat International get involved with Insurance One Agency?
- Heartbeat International responded to Insurance One’s desire to bring their years of expertise to help expand the options for insurance for the pregnancy help community. The team at Insurance One has a long history of serving non-profits including churches and ministries.
What are some distinctives of this new insurance product available through Insurance One?
- Insurance One, working directly with the underwriter NSM/Care Providers, has crafted a policy that covers all the basic insurance needs while at the same time adding some additional coverage common for businesses and ministries of similar size and scope of PHC/PHMCs. (Maternity homes, adoption agencies and other Heartbeat affiliates can request a quote from Insurance One Agency as well.)
- Insurance One can facilitate the purchase of this coverage by any local agency or insurance broker that has a relationship with the center/clinic. This allows the local leadership to develop/advance local relationships with insurance professionals. A center with a board member or donor or long-standing relationship with someone who is an insurance agent can create a win/win scenario. Insurance One is licensed in all 50 states and can facilitate this relationship.
Is Insurance One and NSM/Care Providers one and the same?
- No. Insurance One is an agency and the organization Heartbeat International has worked with very closely. NSM/Care Providers is the underwriting insurance carrier with an A+ rating (standard rating system for the insurance industry).
- It is important to note that insurance carriers (not agencies or brokers) are rated by independent rating agencies. Insurers are rated as to size where ”I” is smallest and “XV” is largest, while stability would range from “NR” or “Not Rated” as lowest and “A+” as highest). Note – Since insurance is a promise to pay a future claim, it is important that your carrier be at least average sized.
Is the NSM/Care Providers offering the same product to abortion clinics?
- No. NSM/Care Providers program is not available to locations providing surgical abortions. However, as the pregnancy help movement has embraced and grown in offering more professional services, including non-surgical services such as ultrasound, we have become more like some of the very Family Planning Clinics we are competing against. Therefore, the products that we use, like pregnancy tests, office equipment, medical technology, and, yes, insurance, will also be products that are used by our competitors.
- NSM/Care Providers has utilized the same insurance program components for counseling services, limited medical offerings, general liability, etc. While these components do work for Family Planning clinics, they also readily serve many other non-government 501(c)3 social service organizations who serve the public need.
Isn’t it best to buy from only pro-life sources?
- Buying products that directly benefit our opposition is to be avoided, but buying the same thing they do is not the same as enriching them. The products themselves are “morally neutral.” Buying paper products from the office supply store that might also sell the same paper to Planned Parenthood doesn’t directly benefit Planned Parenthood.
- If all other things are equal, buying from pro-life sources is definitely preferable. However, in today’s inter-connected globalized economy, it extremely difficult to find a truly “pure” pro-life product. This is especially true when seeking value-priced goods and services. Many regular business and even ministry items could never be produced economically by only pro-life sources to serve the ministry niche we occupy. When they are, these products are often priced higher because of the relatively small number of “customers” we represent. Paying a higher price for products deemed “more pro-life” is certainly an option as boards/leaders weigh cost and conviction and mission outcomes.
- In some cases it is not the company per se that is at issue but the politics of those controlling, or benefitting. The business marketplace for computer software and products is dominated by Microsoft and Apple. Both Bill Gates (Microsoft) and Steve Jobs (Apple) and the companies they lead have given significantly to pro-choice causes. Yet, the products they sell help us in dramatic ways to increase our effectiveness. Guilt by association would cause us to question many, many things.
Could buying a product comparable to what Family Planning Clinics access actually help our cause?
- Purchasing the exact same (or very similar) product our competitors do can help us show parity. Adding licensed medical staff and becoming medical clinics allows us to combat the charge that we are somehow “fake” clinics. Accessing the same providers and products can actually assist our case in establishing the fact that we offer equivalent services (while also being life-affirming). Qualifying for an insurance product that is also used by “accepted” clinics can help us establish that we are not to be marginalized that are credentials are not to be dismissed.