August 18, 2017
Arrowood Insurance Services

Our Japanese Temple Insurance Program

Japanese Temple Program provides the coverages that Japanese Temples need most - all in a single policy with one premium.

The program includes coverages for property and liability, as well as additional coverages for those who desire more comprehensive protection.  It is the ideal way to simplify the insurance needs of the Japanese Temple without sacrificing coverage or protection.

Japanese Non-Profit Insurance Program

The Japanese Non-Profit Insurance Program provides the coverages that Japanese Non-Profit Organizations need most - all in a single policy with one premium.

The program includes coverages for property and liability, as well as additional coverages for those who desire more comprehensive protection.  It is the ideal way to simplify the insurance needs of the Japanese Non-Profit Organization without sacrificing coverage or protection.

Property Insurance

Property insurance helps protect the temple's interest in buildings and personal property up to the limits of the policy.

Building Insurance Includes:

  • Actual Cash Value or Replacement Cost
  • All buildings and structures at the premises
  • Personal property used to maintain or service the buildings or premises, such as, fire extinguishing equipment, outdoor furniture, and appliances

Business Personal Property Insurance Includes:

  • The temple's property on or within 100 feet of the premises
  • Settlement based on the Yen exchange rate (on those items so designated)
  • The temple's liability for property of others in the temple's care, custody, and control

Additional Insurance Included:

Debris Removal
Covered Property (other than Electronic Data Processing Equipment and Electronic Data) $35,000
Electronic Data Processing Equipment and Data Unlimited
Fire Department Service Charge $15,000
Pollutant Clean Up and Removal $25,000
Electronic Data $50,000 excl. virus or $2,500 incl. virus
Fire Protection Device Recharge $10,000
Extra Expense $10,000
Consequential Damage $10,000
Deferred Payments $10,000
Claim Expenses $10,000
Utility Services - Direct Damage $35,000
Spoilage Coverage  $5,000
Newly Acquired or Constructed Property
Increased Limit
Building
Personal Property (other than Electronic Data Processing Equipment and Electronic Data)
Electronic Data Processing Equipment and Electronic Data, including duplicates
Or


$1,000,000 (180 Days)
$50,000 (excl. virus)

$500,000 (180 Days)

Electronic Data, including data duplicates $2,500
Personal Effects and Property of Others $10,000
Valuable Papers and Records (other than Electronic Data) $15,000
Property Off-Premises $25,000
Outdoor Property $2,500/ 500
Markers $10,000/ 500
Electronic Data Processing Equipment $50,000
Money and Securities $10,000
Accounts Receivable $10,000
Fine Arts $10,000
Brand and Label $10,000
Installation $10,000
Salesperson's Samples $1,000
Urns $10,000/ 500
Outdoor Signs Attached to Building/ Indoor Signs $2,500
Arson Reward $15,000
Lock Repair or Replacement $10,000
Rare Glass, Art Glass and Art Glass Windows $100,000


Liability Insurance

Liability insurance helps protect the temple from legal obligation to pay for bodily injury or property damage arising out of the temple's business.  The temple is also protected from certain medical expenses for accidental bodily injury to others on the temple's premises or because of the temple's operations, regardless of fault.

Business Liability Insurance Includes:

  • Bodily Injury and Property Damage
  • Premises, Operations, Products, and Completed Operations
  • Personal Injury and Advertising Injury
  • $10,000 Medical Expense Insurance per person
  • Tenant's Liability
  • Defense Costs

Additional Insurance Included:

  • Liquor Legal Liability
  • Pastoral Professional Liability
  • Non-Owned and Hired Automobile
  • Temple Members, Officers, and Volunteer Workers as Additional Insureds
  • Additional Insureds-Lessors- for use of other premises - included
  • Abuse and Molestation
  • Sports Participants

Optional Insurance:

  • Temple Directors and Officers Liability including Employment Practices Liability (EPLI)
  • Building Ordinance insurance
  • Insurance for parsonages and other dwellings
  • Increased limits for all listed insurance
  • Daycare/Nursery School Liability
  • Owned Automobile
  • Boiler and Machinery
  • Workers Compensation (Volunteer & Voluntary Labor at flat rate)
  • Umbrella to limits of $50,000,000
  • And many others