[CP Today] ‘Now with Jesus’: Christian apologist Ravi Zacharias dies at 74
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A petition has been launched, urging PBS not to air a series of videos in celebration of Pride Month and "LGBTQ+" identities, which includes polyamory, demisexuality, transgenderism, and an openly homosexual minister.
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Costi Hinn, nephew of famed faith healer Benny Hinn, recently shared his experience of being in the prosperity gospel circle where he used donations for his lavish lifestyle and said the movement is now operating in the young Christian culture.
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A Baptist woman diagnosed with incurable juvenile macular degeneration that left her legally blind for 13 years instantly regained her sight after her pastor husband laid hands on her and prayed for a miracle, a recent study from The Global Medical Research Institute explains.
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One of the biggest lies that young people are told in the United States is that freedom means that a person can do whatever they want, according to a professor of theology.
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U.S. Secretary of Labor Eugene Scalia issued new guidance barring the department, service providers and state agencies from discriminating based on religious belief in a move aimed at improving the ability of faith-based organizations to participate in grant programs.
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Could it be that our nation is racing down the road to spiritual darkness because the church has lost its way?
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Revenue down? Make Your Insurance Claim. Really. |
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Make and Preserve Your Insurance Claim
The COVID-19 pandemic has caused many nonprofits and businesses to see a reduction in donations and revenue or to shut down temporarily. If that's you, make your insurance claim.
I can't stress this enough. Really. You absolutely should make and preserve your insurance claims, even if you do not think you have coverage. I'll discuss the most common exclusions below, which your insurance agent has likely pointed out. Be sure to respond to them when your insurance company sends you follow-up questions or requests for additional information. Additionally, be very skeptical of the insurance companies' follow-up questions.
What About Exclusions?
There are two major types of insurance policies that nonprofits typically carry for large interruptions:
- Event insurance
- Business interruption coverage
- Usually found in general business liability policies.
As you can imagine, insurance companies are freaking out about coverage. They point to one of three common exclusions as a way to get you not to file a claim:
- Physical loss
- Virus or contagion
- Pandemic
In most states, exclusions must be clear and unambiguous, and attempted exclusions are commonly interpreted against the insurance company. |
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Physical Loss Exclusion
Many policies have an exclusion for damage that is not covered by a "physical loss." At first glance, you might think that means some physical harm to your property, such as a tornado or flood. However, case law makes it clear in many jurisdictions that "physical loss" actually means "loss of use." After litigation, courts have held that losses for loss of use must be covered. Examples include losses due to a bad spider infestation or an asbestos insulation problem. A governmentally-ordered partial or full shutdown that results in an inability to use your property for your charitable program could very well be a "physical loss" due to the "loss of use."
Virus or Contagion Exclusion
This exclusion typically excludes damages related to a virus. But there still may be coverage. To the extent, your nonprofit is not directly affected by the virus itself. Instead, it is affected by a shutdown order... Read More
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- The most important link on this blog is this one about cures to the coronavirus.
- Also this one about vaccines that immunize people from catching the coronavirus.
- Then there is this one about copper as a weapon to combat this virus.
- This one could save some lives about the Red Cross.
- This one is a plasma cure link.
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