The Union for Reform Judaism has selected Frank Crystal & Company a leading national insurance broker, to offer its member congregations unique access to a comprehensive insurance program specifically designed to address the particular risks associated with Reform synagogues. The Congregational Insurance Program provides a complete portfolio of insurance products and services for congregation programs and activities, including day care, day camps, and day schools.

Know What Insurance You Are Buying

• Are you concerned with claims or lawsuits that result from incidents - such as bodily injury to individuals and theft of or damage to personal property - that occur on your synagogue's properties?
• Will your synagogue be reimbursed for legal defense costs associated with accusations of inappropriate behavior on the part of congregational board members, employees, rabbis, or volunteers?
• Did you know that, without proper Directors & Officers Liability protection, a temple board member may be held personally liable for a synagogue's failure to maintain adequate insurance?
• Is your congregation protected against charges of slander, defamation, or libel resulting from your temple's employees' actions?
• Will your temple's precious Fine Arts, such as Torah scrolls and valuable Judaica be restored or replaced in the event of damage? What happens if a rock goes through one of your synagogue's stained-glass windows?
• Does your temple have coverage for an employee or member's claim of emotional distress -- coverage not always provided under General Liability insurance?

Stop wondering whether your congregation's existing insurance policies provide adequate coverage against these types of claims. Our experienced insurance professionals will work with insurance underwriters to assess your insurance needs and endeavor to provide your congregation with an insurance program that is tailored to its specific risks and requirements.

Comprehensive Coverage

Of course, you want the most competitively priced insurance program, but not all insurance products are identical. The Congregational Insurance Program provides valuable protection against risks not often addressed by the insurance products offered by other carriers.

If your policy does not address all of the concerns raised here, perhaps you need to take a second look. Cutting corners on your insurance could be an expensive mistake!

Program Features

• Directors & Officers Liability Insurance
• Employment Practices Liability (included in Directors & Officers Liability) automatically extended to include the congregation and its employees
• Defense in addition to the limits of liability in many instances (does not include Directors & Officers Liability)
• Separate $1,000,000 limit for Counseling and Teaching Services Liability
• Separate $1,000,000 limit for sexual misconduct claims
• Umbrella Liability including excess insurance for Counseling and Teaching Services Liability and sexual misconduct.
• Specialized property and liability insurance tailored to reflect the exposures associated with the ownership, operation or use of cemeteries, memorials, or monuments

High Quality Insurer

Synagogues enrolled in the Congregational Insurance Program are insured by the Chubb Group of Insurance Companies.

Chubb is a leading provider of insurance and risk management services for businesses, industry groups, trade associations, not-for-profit organizations and other institutions worldwide. All Chubb coverages are backed by 115 years of experience and consistently high ratings for financial strength from all three major credit rating agencies. Chubb is well known for its customer-first approach to claims handling, as well as for providing expert loss control services.

Program Services

The Congregational Insurance Program is administered by Frank Crystal & Company, one of the largest privately held insurance brokers in the United States.

Since 1933, Frank Crystal has provided a full range of insurance and risk management services to clients, such as professional and financial services institutions, airlines, technology firms, and non-profit organizations. With its headquarters in New York and offices in California, Florida, Pennsylvania, and Texas, Frank Crystal provides high-quality service to synagogues.

Among other services, the program offers:

• Comprehensive review and analysis of existing policies and coverages
• Loss Control services to assist in identifying potential hazards and establishing proper valuations
• Appraisal services for upgrading property values are available at no extra cost
• Safety reviews and risk management services offered to improve existing risks for future rate adjustments
• Convenient 1-800 number for claims reporting

Contact Us:

Frank Crystal & Company's experienced insurance professionals work closely with temple administrators, board members, and rabbis to educate them as to what risks they face and how to protect against these risks.

Please contact us so that we may review how your congregation's current insurance protection compares to that which is offered through the Congregational Insurance Program. You may contact the Program Administrator,
Phone: 212-504-1871
Fax: 212-825-0834

Or, e-mail unionins@fcrystal.com, with the following information: your name, position, congregation, city, state, and phone number.

Also, please indicate whether you prefer to be contacted via phone or e-mail.

* The Insurance Program is subject to the insurance carrier's underwriting criteria and approval, as well as the terms, conditions, and exclusions contained in the insurance policies to be issued.