After enduring a year of hardships following Hurricane Ida, Reverend Ross Johnson of Tulane Memorial Baptist Church in New Orleans faced a new crisis when their insurance was canceled. The church’s annual premium nearly doubled, and the deductible increased significantly, leaving the congregation vulnerable during hurricane season. With many churches facing similar insurance issues in Louisiana, a group of church leaders is working to establish a self-insurance fund to provide relief. The fund would act as an insurer for nonprofit religious organizations, allowing them to buy coverage and receive claims assistance.
The insurance crisis has left many churches struggling financially and at risk of closure, impacting the communities they serve. Pastors like Johnson are grappling with tough decisions, including the possibility of laying off staff to afford rising premiums. While the challenges are significant, the proposed self-insurance fund offers hope of a sustainable solution for churches facing unprecedented insurance difficulties in a state prone to severe weather events.
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