Insurance Manual

What is protected- Self–Insurance?

The Diocese of Paterson participates in a self-insurance program for the following lines of insurance coverage for all parishes, schools, and agencies of the R.C. Diocese of Paterson:

• Property;
• General liability (including directors and officers and errors and omissions);
• Automobile liability; and
• Workers compensation coverage.

A self-insurance program is a program where organizations are able to provide insurance coverage at agreed upon levels while purchasing addition “excess” coverage for large unexpected claims such as fires, tornados or other catastrophic or series of catastrophes. Self-insurance programs also mean that the insurer takes responsibility for paying claims under normal circumstances. The term “Diocese” as used in this booklet includes all parishes, schools, diocesan institutions, and cemeteries.

The Self-Insurance program demands an increased awareness of and responsibility for establishing and maintaining safe conditions and a prompt correction of improper, hazardous or unsafe conditions to prevent losses and reduce program costs. The benefits are obvious for the continued well-being and safety of the people of the Diocese, the protection of property and the cost of the program.

Diocesan Insurance Website

Information related to the Diocesan insurance program including the Diocesan Insurance Program Manual and important documents can be found on the Diocesan insurance website.

Please visit www.chancery.rcdop.org . The most current and up-to-date program information is available on this website.

Appendix 1: 2015-2016 Program Deductibles by line of coverage:

PROPERTY DEDUCTIBLES:

• Property (Building and Contents) - $5,000
• Property - Named Windstorm - $5,000
• Auto (Collision and Comprehensive) - $1,000
• Auto - Windshield Damage - $0
• Priests Personal Effects - $1,000.00: for the first claim; $5,000: for all subsequent claims: Effective: 7/1/16

Please notify Gallagher Basset Immediately

As soon as you become aware of any event/injury/accident/or issue that might involve insurance: Gallagher: 877-509-3503