{"id":20776,"date":"2024-10-08T09:56:22","date_gmt":"2024-10-08T14:56:22","guid":{"rendered":"https:\/\/twkumc.org\/?p=20776"},"modified":"2024-10-08T09:56:22","modified_gmt":"2024-10-08T14:56:22","slug":"united-methodist-insurance-program","status":"publish","type":"post","link":"https:\/\/twkumc.org\/es\/news\/united-methodist-insurance-program\/","title":{"rendered":"El Programa Metodista Unido de Seguros est\u00e1 aqu\u00ed para ayudar a asegurar su iglesia"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Actualmente nos encontramos en un mercado de seguros dif\u00edcil. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Esto se ha visto impulsado por varios factores: <\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">las compa\u00f1\u00edas tradicionales de seguros eclesi\u00e1sticos han experimentado varios a\u00f1os de p\u00e9rdidas de suscripci\u00f3n;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Las p\u00e9rdidas relacionadas con las tormentas est\u00e1n aumentando; <\/span><\/li>\n<li><span style=\"font-weight: 400;\">La inflaci\u00f3n social ha incrementado el coste de la construcci\u00f3n y las reparaciones;<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> han aumentado las reclamaciones por congelaci\u00f3n y da\u00f1os por agua relacionados con fugas y;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">El aumento de los litigios y el incremento de las sentencias han afectado tanto a las l\u00edneas de cobertura de bienes como a las de responsabilidad civil.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Como consecuencia, las compa\u00f1\u00edas suben los precios, no renuevan las cuentas y modifican las condiciones de sus p\u00f3lizas. Por ejemplo, las franquicias est\u00e1n aumentando y la cobertura contra el viento es cada vez m\u00e1s dif\u00edcil de obtener en algunas zonas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Adem\u00e1s, algunos transportistas se est\u00e1n retirando completamente de los estados y han reducido su plantilla hasta niveles que dificultan seguir el ritmo del creciente n\u00famero de solicitudes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En la d\u00e9cada de 1970, las iglesias ten\u00edan problemas para identificar y adquirir una cobertura adecuada. La Iglesia Metodista Unida respondi\u00f3 ordenando que el Consejo General de Finanzas y Administraci\u00f3n pusiera a disposici\u00f3n de todos los ministerios y agencias un programa de seguros. Esto aparece en el <\/span><i><span style=\"font-weight: 400;\">Libro de Disciplina<\/span><\/i><span style=\"font-weight: 400;\"> en \u00b6 807.19.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hoy en d\u00eda, esa misi\u00f3n la cumple el Programa Metodista Unido de Seguros (UMIP). La United Methodist Insurance Company, Inc. suscribi\u00f3 un acuerdo con el Sovereign Insurance Group (Sovereign) para actuar como su agente exclusivo.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sovereign lleva m\u00e1s de 60 a\u00f1os ofreciendo cobertura a iglesias y organizaciones sin \u00e1nimo de lucro. Tiene acceso a m\u00e1s de 30 aseguradoras que ofrecen cobertura a iglesias y a muchas aseguradoras especializadas que cubren riesgos \u00fanicos. Pertenecen al consejo asesor de agentes de tres de las cuatro principales compa\u00f1\u00edas que aseguran iglesias.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">UMIP, a trav\u00e9s de Sovereign, utiliza estas compa\u00f1\u00edas y programas propios de Sovereign para ayudar a las iglesias a encontrar cobertura cuando no se les renueva, tienen problemas para encontrar cobertura o simplemente buscan la mejor opci\u00f3n para su ministerio.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">He aqu\u00ed algunos consejos para comprar en el mercado actual:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Elija un agente que entienda los riesgos de las iglesias y tenga acceso a muchos mercados.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Empiece a comprar con tiempo: 120 d\u00edas de antelaci\u00f3n es lo ideal para asegurarse de que su solicitud est\u00e1 completa y se comercializa a tiempo.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prepare toda la informaci\u00f3n posible (por ejemplo, antig\u00fcedad del edificio, construcci\u00f3n, actualizaciones del sistema, etc.)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Explicar las grandes p\u00e9rdidas y las medidas adoptadas para reducir la posibilidad de que se repitan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pague sus primas y valore su presupuesto de renovaci\u00f3n. Es mucho menos probable que los transportistas restablezcan la cobertura ahora.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">UMIP est\u00e1 siempre a su disposici\u00f3n. Somos el programa de seguros de la Iglesia Metodista Unida. No rechazaremos a ning\u00fan ministerio sin hacer todo lo posible para conseguirle la cobertura adecuada al mejor precio posible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para obtener un presupuesto, visite <\/span><a href=\"http:\/\/www.uminsure.org\"><span style=\"font-weight: 400;\">www.uminsure.org<\/span><\/a><span style=\"font-weight: 400;\"> o llame al 484-654-3380.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>We are currently in a difficult insurance market. This has been fueled by several factors: the traditional church carriers have experienced several years of underwriting losses; storm-related losses are increasing; [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,9],"tags":[12],"class_list":["post-20776","post","type-post","status-publish","format-standard","hentry","category-administration","category-news","tag-feature"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>United Methodist Insurance Program is Here to Help Insure Your Church - TWKUMC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/twkumc.org\/es\/news\/united-methodist-insurance-program\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"United Methodist Insurance Program is Here to Help Insure Your Church - TWKUMC\" \/>\n<meta property=\"og:description\" content=\"We are currently in a difficult insurance market. 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