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20 Jun 2024

Travel Cover: Let’s bust some myths.

Aah, the grapevine of the Adventist church network—always buzzing with stories, but not always with the facts straight. Consider this article your trusty ‘fact check’ on all things Travel Cover for church-related trips. Let’s be real, we’re kinda annoyed by the misinformation about travel cover. Not for us, but

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19 Jun 2024

8 Must-Know Travel Essentials to Save Money and Stress!

Heading off on a trip for church business? Of course, you should never leave home without travel insurance. It’s essential for protecting your finances if things go wrong. But what steps can you take to avoid a time-consuming and expensive claim in the first place? Here are our 8

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5 Dec 2023

Does RMS Pay?

When feeling the sting of cost increases it is easy to question the ‘grudge purchase’ known as insurance. We may find ourselves asking, “Does it even pay to have cover?”  Since 1972, RMS and the Church’s insurers have been faithful to respond to loss events impacting the Adventist Church’s

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5 Dec 2023

Are Adventist Communities Future-Proof?

RMS is a long-term advocate for the Adventist Church to construct more resilient buildings, to mitigate risk exposures, and to ensure property and assets are well-maintained. To protect ministry and mission into the future we will always plead for better construction and better maintenance of Church property, here are

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5 Dec 2023

Major Milestone for Ministry Resilience

Launched in 2016, the RMS Risk and Safety Co-Funding program has now contributed over $2M towards risk and safety projects across Australia, New Zealand and the South Pacific – a milestone for ministry and mission resilience. Adventist communities are often faced with multiple risk and safety challenges and budgets

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30 Aug 2023

Why has the cost of property insurance skyrocketed?

The rising costs of goods and essential services across the board is having a concerning impact on Adventist church communities and their ability to conduct mission and ministry, and unfortunately, insurance costs continue to rise. Likewise, Risk Management Service is affected by these cost increases. Every year the RMS

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30 Aug 2023

How to Save Money on Insurance

As a group of churches under one policy it’s important to remember that when we act collectively for good we can make significant and meaningful change. If each Adventist site commits to taking these actions we could see a positive net effect on the property insurance program. Tip #1

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29 Aug 2023

Found cheaper cover elsewhere?

RMS charges too much! I can get cover cheaper elsewhere! Hearing this is sometimes hard to take, but we’ve grown to love it because it gives us the opportunity to explain how our Service works and how we give back value to support and enable the Church’s mission and

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20 Jun 2023

Protect your organisation from a Non-Owned Liability Claim

   By: James Winegardner – President, CEO – Adventist Risk Management, Inc. (USA) The largest claim ever paid through Adventist Risk Management, Inc. (ARM) is for liability claims generated by an organization we did not own. Further, this organization was not part of the denominational structure or even mentioned

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20 Jun 2023

What’s everyone barking about?

We gave ChatGPT the following prompt: What are the key considerations for the introduction of a support (therapy) dog into a workplace, school, or aged care facility? How does a support dog differ from an assistance dog? Highlight any specific Australian or New Zealand legislation. Here’s what AI said:

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20 Jun 2023

Does AI understand construction insurance?

We gave ChatGPT the following prompt: Explain why ‘principal controlled’ construction insurance cover is better than relying on the contractor’s insurance. Here’s what it said: While both principal controlled construction insurance and relying solely on the contractor’s insurance have their merits, the former is generally considered the better option,

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21 Nov 2022

Working with Fireworks

Are you planning a fireworks display for your Carols or New Year’s Eve events? Do you know the financial consequences if something goes wrong? Without going into the complexity of insurance layers, exclusions and excess policies we want to give you a straight heads-up: THERE IS NO LIABILITY COVER

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17 Nov 2022

Holiday plans interrupted by a loss event? Here’s how to reduce the risk.

Is it just us, or does the ‘Christmas rush’ start in October? Right now, you’re probably neck-deep in end of school presentations, office Christmas parties, gift buying, deadlines, meetings – but that moment you leave work for the holidays is going to feel amazing! What could possibly get in

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15 Nov 2022

Announcing Our New Broker Partner

After a comprehensive tender process RMS has appointed new broker partner: Lockton. RMS sought an energetic broker partner who would be able to deliver the most appropriate and cost-effective insurance solution available in today’s market. To guide us, we engaged The Lion Partnership who managed the tender process for

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8 Nov 2022

50 Years Strong

RMS has just turned 50! We recently celebrated this milestone by rededicating the Service to ministry and mission at a reunion of former RMS managers. RMS was formally established on the 21st September 1972 with the purpose of administering the Church’s insurance program in the then Australasian Division (later

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3 Aug 2022

RMS Conducts Broker Review

Risk Management Service has commenced a thorough broker review process for the Adventist Church organisation’s extensive insurance portfolio. Risk Management Service has engaged The Lion Partnership to guide us through a comprehensive tender of our insurance broking services sourced locally in Australia, New Zealand and the Pacific.  This review

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26 Jul 2022

Welcome to the Team!

One of the most challenging roles to fill in the RMS team is that of Senior Risk Officer – Risk Control. It requires someone with a meaningful understanding of risk and safety within the context of construction and building code compliance, as well as a thorough understanding of the

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24 Mar 2022

In March, we brace for impact.

An organisation as large as the Adventist Church has an extensive and deeply complex insurance program to protect the assets, ministries and the many and varied activities of the Church. Overseeing the Church’s insurance program within the South Pacific Division is us, Risk Management Service. Risk Management Service, or

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3 Mar 2022

Suffered a loss? Here’s what to do now.

Your Adventist site has experienced a property loss. To get the best possible outcome, and get you back to the business of mission sooner DOCUMENTATION IS ABSOLUTELY CRUCIAL. We cannot stress this enough. Good documentation will help your site THE MOST in the event of a covered loss. Without

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6 Dec 2021

Training for Adventist Leaders

With the sharp rise in psychological injury claims in the Australian workplace generally, Risk Management Service sought to better equip Adventist leaders in best practice psychological injury management, prevention strategies and resilience training. RMS engaged expert psychologists, Kate Thomson and Heizy Serrels, from Resilia and the Centre for Corporate

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6 Dec 2021

Before bad weather hits.

As much as we don’t want our Adventist sites to be impacted by damaging weather, we have to prepare for the reality that property losses are likely to occur this season. Widespread loss events that affect large communities, not just Adventist sites, take longer than usual to recover from

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21 Oct 2021

Is your church a breath of fresh air?

Governments around the region have announced reopening roadmaps that include COVID safety considerations for building ventilation within places of worship. Could this have a double benefit for church-goers? As we all know too well by now, public health advice cautions that COVID-19 can be transmitted by contact with droplets

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2 Jul 2021

Extra Risks Cover – Excess increase, rates reduced.

From 1 July 2021, RMS has increased excess amounts and reduced contribution rates for Extra Risks Cover. Extra Risks cover is a special cover that responds when equipment is accidentally damaged (such as being dropped); or lost or stolen when taken outside of a secure building or offsite to

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29 Jun 2021

Increased costs of cover for Australia.

RMS can confirm that property cover for the 2021/22 renewal is bound – good news for the resilience and sustainability of the Adventist Church organisation for another year. For Australia, however, this renewal is characterised by higher premium prices, with insurers decreasing capacity, coverage and sub-limits. Insurers have experienced

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10 Nov 2020

New building and construction works

Risk Management Service would like to make you aware that insurers have tightened their internal procedures in relation to providing cover for new building purchases and new building constructions. As a result, it can take considerable time for sites to gather the necessary information required and for an application

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5 Nov 2020

What to do before bad weather hits.

The Bureau of Meteorology’s outlook for October to April shows an increased risk of flooding in eastern Australia and an increase in the likelihood of tropical cyclones in the north and the Pacific Community for the 2020/21 cyclone season. The usual risk of bushfires, heatwaves and severe thunderstorms for

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18 Oct 2020

We’ve made it easier to report a loss.

In an effort to make it easier and quicker for Adventist sites to get back to the business of mission after a loss event, RMS has made changes to the Loss Reporting process. This small but time-saving change pushes back the need to complete the Schedule of Property form

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13 Jul 2020

A brief history of RMS

Scale model of the mission boat, “Melanesia”, the first item of property insured by the Australasian Conference Association. Inset: Cecil J. Powell, first RMS Manager. Risk Management Service is owned and run by the Seventh-day Adventist Church in the South Pacific. When you speak with one of the RMS

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13 Jul 2020

How do we re-open churches?

RMS would like to acknowledge and uphold the leadership of the Adventist Church’s Local Conferences and Unions as they have transitioned the Adventist Church through COVID-19. Naturally, it is at this point in time that we once again look to our local leadership for how we get back to

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9 Jul 2020

RMS Property Valuation Project

L-R: RMS Manager, Jonathan Hale; Assistant Manager, Hayley Tosen; and Senior Risk Officer, Andrew Mowbray. Over the next 5 years, RMS will embark on a major property valuation project in Australia and New Zealand. With the assistance and expertise of a professional valuation service, RMS will undertake a five-year

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23 Jun 2020

Communicating return to operations

Has your organisation already put together a strategy for returning to operations and returning staff to the workplace? Have you communicated this yet?  Communicating your plan once is never enough. To be effective and ensure your message has been heard and understood, it may well be necessary to communicate

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23 Apr 2020

Wellbeing: Work from Home

If you follow RMS on Facebook then you’ll have seen our recent series on mental health and wellbeing while working from home. Our 8-part series struck a chord with many of us in the office-not-office. We hope by sharing them here you’ll find something to help you through the

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23 Apr 2020

Risk Alert: Empty Premises

The closure of our churches, schools, campgrounds and offices has resulted in empty buildings with little to no activity. Since the COVID-19 lockdown laws a number of our vacant sites have already been vandalised and broken into. To help mitigate potential risks, Adventist-owned sites should continue maintenance programs, cleaning

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20 Apr 2020

Risk Alert: Zoom-bombing.

If you’re using video conferencing more often these days, it’s time to exercise caution. As churches, businesses and schools turn to online modes to deliver live content during COVID-19 isolation we face the very real and present danger of becoming victims of cyber-crime. The latest target: video conferences. While

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16 Mar 2020

A Message for Our Community

Rest assured, our services are still available. Our physical office building is temporarily closed but we’re still open. Risk Management Service would like to reassure you that we are taking all possible measures to maintain our level of service to the Adventist Church in the South Pacific. The team

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17 Feb 2020

Summer of loss.

Every summer major loss events impact Australia and the South Pacific Islands as a result of thunderstorms, cyclones and bushfires. While the Pacific Cyclone season has already commenced it has not yet affected Adventist property in the region. Please pray for this part of the world and their communities

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17 Feb 2020

Renewals are coming.

The renewal period will soon be upon us. Here are a couple of actions that you can take now to make life a little less stressful this May. Reminder #1 – Extra Risks Cover was changed last year. You are no longer required to provide RMS with an itemised

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17 Feb 2020

What should a CFO know?

A recent Wall Street Journal article reported that prices on nearly every type of insurance are rising in the United States. And it doesn’t matter what your loss history is like. “Insurance is a cyclical industry. During periods without catastrophic claims, insurers compete for customers by lowering prices. Following

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12 Dec 2019

Don’t delay, report today!

Risk Management Service would like to encourage Adventist Church entities to report loss events as quickly as possible, rather than waiting weeks or, sometimes months. Reporting a loss to RMS as soon as you’re able means you don’t have to go through the process alone which can be time

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12 Dec 2019

We need to talk about trampoline parks.

Indoor trampoline centres are a popular activity that encourages physical recreation in a fun setting, however it comes with high risks. Until the Australian government implements mandatory standards and a code of practice, this will leave park entrants exposed to injury at unsafe and poorly maintained trampoline centres. Risk

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12 Dec 2019

Diving into Mental Health and Wellbeing.

In October, RMS team members, Hayley Tosen, Rob Kalinowski and Linzi Aitken attended the iCare Mental Health Forum on the Central Coast. We were pleased to connect with colleagues from Sanitarium, and the North NSW and Greater Sydney Conferences who also attended the Forum. Pictured with our very own

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12 Dec 2019

Tell us what you really think!

It’s survey time again! Cut to the chase and click here to do our survey now. Six years ago we asked you to tell us what you thought of our service. Your helpful responses contributed to our strategic plan for the 2015-2020 period. Here’s some of what you told us,

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12 Dec 2019

What I am thankful for.

Like me I’m sure you would’ve noticed all the media and literature, quoting scientific studies that talk about gratitude being important to mental health and wellbeing, happiness and resilience. With family who live in America, I enjoy participating in Thanksgiving with them in whatever way that I can and

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12 Dec 2019

Where have we been?

RMS team members visited Fiji – a week in October and a week in November – to survey Adventist Church-owned sites. Greer Jackson and Andrew Mowbray are pictured above with Josh and Pr Senitiki Waqa from Fiji Mission. Covering 96 sites, they travelled by 4WD, trucks, minivans, ferries, dinghies

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11 Nov 2019

IMPORTANT ADVICE FOR TUESDAY, 12 NOVEMBER

Off the back of a weekend of unprecedented bushfires, large regions of NSW and QLD now face catastrophic fire conditions tomorrow. TOTAL FIRE BAN IN EFFECT. If your area is under threat of bushfire, or potential fire, please keep the following in mind: DO NOT put your life at

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20 Jun 2019

Why this meant so much to us.

Members of the RMS team participated in 3 days of professional development at the Adventist Business Professionals Conference on the Gold Coast, held June 4-6, 2019. RMS were invited to host a plenary session and several workshops on a variety of risk and safety topics. It meant a lot

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20 Jun 2019

RMS Helps Kanwal Church

Earlier this year, two of our RMS representatives enjoyed the warm hospitality of Kanwal Seventh-day Adventist Church. Risk Officers Andrew Mowbray and Linzi Aitken met with Alister, Donna and Geoff who are the beautiful folk who have put their hearts and souls into Kanwal Church’s ‘Cornerstone Cafe’. Every Wednesday

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18 Jun 2019

Rebuilding Tonga

On the night of 12 February, 2018, Tropical Cyclone Gita passed over the islands of Tonga. It was a Category 4 cyclone that wreaked havoc across the nation. Adventist Church-owned homes, schools, offices and churches sustained damage with some sites left uninhabitable and unsafe. How would life get ‘back

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11 Jun 2019

Introducing our newest team member!

Join us in welcoming Greer Jackson to the role of Senior Financial Systems Specialist! We knew it was going to be tough to fill the shoes of our previous IT guru, but thankfully, great things take time and we’re delighted to welcome Greer Jackson who completes our team by

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3 Jun 2019

Hello, we’ve had some work done.

Well it is out with the old and in with the brand aligned, scale-able and mobile compatible online presence.   Earlier in May, and with the help, guidance and technical expertise of the designers and developers at eBrands, we quietly launched our new website. We are pleased that our

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