{"id":71,"date":"2021-07-30T14:45:12","date_gmt":"2021-07-30T19:45:12","guid":{"rendered":"https:\/\/maabrethren.com\/?p=71"},"modified":"2022-02-21T16:07:45","modified_gmt":"2022-02-21T22:07:45","slug":"self-insuring","status":"publish","type":"post","link":"https:\/\/maabrethren.com\/self-insuring\/","title":{"rendered":"Self Insuring"},"content":{"rendered":"<div class=\"vce-row-container\"><div class=\"vce-row vce-element--has-background vce-row--col-gap-30 vce-row-equal-height vce-row-content--top\" data-vce-full-width=\"true\" id=\"el-81348591\" data-vce-do-apply=\"all el-81348591\"><div class=\"vce-content-background-container\"><div class=\"vce-asset-background-simple-container vce-visible-all-only vce-asset-background-simple--style-cover vce-asset-background-simple--position-center-center\"><div class=\"vce-asset-background-simple\"><div class=\"vce-asset-background-simple-item\" style=\"background-image: 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rel='stylesheet' id='visualcomposerstarter-font-css' href='https:\/\/maabrethren.com\/wp-content\/themes\/visual-composer-starter\/css\/vc-font\/visual-composer-starter-font.min.css?ver=3.3' type='text\/css' media='all' \/>\n<link rel='stylesheet' id='visualcomposerstarter-general-css' href='https:\/\/maabrethren.com\/wp-content\/themes\/visual-composer-starter\/css\/styles\/style.min.css?ver=3.3' type='text\/css' media='all' \/>\n<link rel='stylesheet' id='visualcomposerstarter-responsive-css' href='https:\/\/maabrethren.com\/wp-content\/themes\/visual-composer-starter\/css\/styles\/responsive.min.css?ver=3.3' type='text\/css' media='all' \/>\n<link rel='stylesheet' id='visualcomposerstarter-style-css' href='https:\/\/maabrethren.com\/wp-content\/themes\/visual-composer-starter-child-master\/style.css?ver=6.5.2' type='text\/css' media='all' \/>\n<style id='visualcomposerstarter-style-inline-css' type='text\/css'>\n\n\t\/*Body fonts and style*\/\n\tbody,\n\t#main-menu ul li ul 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.vce-content-background-container{border-radius:inherit}@media{#el-9b919a35 [data-vce-do-apply*=all][data-vce-do-apply*=el-9b919a35],#el-9b919a35 [data-vce-do-apply*=padding][data-vce-do-apply*=el-9b919a35],#el-9b919a35[data-vce-do-apply*=all][data-vce-do-apply*=el-9b919a35],#el-9b919a35[data-vce-do-apply*=padding][data-vce-do-apply*=el-9b919a35]{padding-bottom:25px}}@media{#clone-el-ca6525c0 [data-vce-do-apply*=all][data-vce-do-apply*=el-ca6525c0],#clone-el-ca6525c0 [data-vce-do-apply*=margin][data-vce-do-apply*=el-ca6525c0],#clone-el-ca6525c0[data-vce-do-apply*=all][data-vce-do-apply*=el-ca6525c0],#clone-el-ca6525c0[data-vce-do-apply*=margin][data-vce-do-apply*=el-ca6525c0],#el-ca6525c0 [data-vce-do-apply*=all][data-vce-do-apply*=el-ca6525c0],#el-ca6525c0 [data-vce-do-apply*=margin][data-vce-do-apply*=el-ca6525c0],#el-ca6525c0[data-vce-do-apply*=all][data-vce-do-apply*=el-ca6525c0],#el-ca6525c0[data-vce-do-apply*=margin][data-vce-do-apply*=el-ca6525c0]{margin-bottom:0}}@media all and (min-width:768px),print{.vce-row--col-gap-30[data-vce-do-apply*=ddd38cb7]>.vce-row-content>.vce-col--md-auto{-webkit-flex:1 1 0;flex:1 1 0;max-width:none;width:auto}} @media{#el-ddd38cb7{display:none}}@media all and (min-width:768px),print{.vce-row--col-gap-30[data-vce-do-apply*=\"01b3e0d6\"]>.vce-row-content>.vce-col--md-auto{-webkit-flex:1 1 0;flex:1 1 0;max-width:none;width:auto}} @media (min-width:1200px){#el-01b3e0d6{display:none}} @media (min-width:992px) and (max-width:1199px){#el-01b3e0d6{display:none}} #el-01b3e0d6 [data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6] .vce-content-background-container,#el-01b3e0d6 [data-vce-do-apply*=border][data-vce-do-apply*=el-01b3e0d6] .vce-content-background-container,#el-01b3e0d6[data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6] .vce-content-background-container,#el-01b3e0d6[data-vce-do-apply*=border][data-vce-do-apply*=el-01b3e0d6] .vce-content-background-container{border-radius:inherit}@media (min-width:768px) and (max-width:991px){#el-01b3e0d6 [data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6 [data-vce-do-apply*=padding][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=padding][data-vce-do-apply*=el-01b3e0d6]{padding-left:20px;padding-right:20px}#el-01b3e0d6 [data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6 [data-vce-do-apply*=left-pad][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=left-pad][data-vce-do-apply*=el-01b3e0d6]{padding-left:20px}#el-01b3e0d6 [data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6 [data-vce-do-apply*=right-pad][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=right-pad][data-vce-do-apply*=el-01b3e0d6]{padding-right:20px}} @media (min-width:768px) and (max-width:991px){#el-01b3e0d6 [data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6 [data-vce-do-apply*=background][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=background][data-vce-do-apply*=el-01b3e0d6]{background-color:#1b3a5e}} #el-01b3e0d6 [data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6] .vce-content-background-container,#el-01b3e0d6 [data-vce-do-apply*=border][data-vce-do-apply*=el-01b3e0d6] .vce-content-background-container,#el-01b3e0d6[data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6] .vce-content-background-container,#el-01b3e0d6[data-vce-do-apply*=border][data-vce-do-apply*=el-01b3e0d6] .vce-content-background-container{border-radius:inherit}@media (min-width:544px) and (max-width:767px){#el-01b3e0d6 [data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6 [data-vce-do-apply*=padding][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=padding][data-vce-do-apply*=el-01b3e0d6]{padding-left:20px;padding-right:20px}#el-01b3e0d6 [data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6 [data-vce-do-apply*=left-pad][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=left-pad][data-vce-do-apply*=el-01b3e0d6]{padding-left:20px}#el-01b3e0d6 [data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6 [data-vce-do-apply*=right-pad][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=right-pad][data-vce-do-apply*=el-01b3e0d6]{padding-right:20px}} @media (min-width:544px) and (max-width:767px){#el-01b3e0d6 [data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6 [data-vce-do-apply*=background][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=background][data-vce-do-apply*=el-01b3e0d6]{background-color:#1b3a5e}} #el-01b3e0d6 [data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6] .vce-content-background-container,#el-01b3e0d6 [data-vce-do-apply*=border][data-vce-do-apply*=el-01b3e0d6] .vce-content-background-container,#el-01b3e0d6[data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6] .vce-content-background-container,#el-01b3e0d6[data-vce-do-apply*=border][data-vce-do-apply*=el-01b3e0d6] .vce-content-background-container{border-radius:inherit}@media (max-width:543px){#el-01b3e0d6 [data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6 [data-vce-do-apply*=padding][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=padding][data-vce-do-apply*=el-01b3e0d6]{padding-left:20px;padding-right:20px}#el-01b3e0d6 [data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6 [data-vce-do-apply*=left-pad][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=left-pad][data-vce-do-apply*=el-01b3e0d6]{padding-left:20px}#el-01b3e0d6 [data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6 [data-vce-do-apply*=right-pad][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=right-pad][data-vce-do-apply*=el-01b3e0d6]{padding-right:20px}} @media (max-width:543px){#el-01b3e0d6 [data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6 [data-vce-do-apply*=background][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=all][data-vce-do-apply*=el-01b3e0d6],#el-01b3e0d6[data-vce-do-apply*=background][data-vce-do-apply*=el-01b3e0d6]{background-color:#1b3a5e}}@media all,print{.vce-row--col-gap-34[data-vce-do-apply*=\"48ea94d8\"]>.vce-row-content>.vce-col--xs-92p{-webkit-flex:0;flex:0;-webkit-flex-basis:calc(92% - 2.72px);flex-basis:calc(92% - 2.72px);max-width:calc(92% - 2.72px)}} @media all,print{.vce-row--col-gap-34[data-vce-do-apply*=\"48ea94d8\"]>.vce-row-content>.vce-col--xs-8p{-webkit-flex:0;flex:0;-webkit-flex-basis:calc(8% - 31.28px);flex-basis:calc(8% - 31.28px);max-width:calc(8% - 31.28px)}} #el-48ea94d8 [data-vce-do-apply*=all][data-vce-do-apply*=el-48ea94d8] .vce-content-background-container,#el-48ea94d8 [data-vce-do-apply*=border][data-vce-do-apply*=el-48ea94d8] .vce-content-background-container,#el-48ea94d8[data-vce-do-apply*=all][data-vce-do-apply*=el-48ea94d8] .vce-content-background-container,#el-48ea94d8[data-vce-do-apply*=border][data-vce-do-apply*=el-48ea94d8] .vce-content-background-container{border-radius:inherit}@media (max-width:543px){#el-48ea94d8 [data-vce-do-apply*=all][data-vce-do-apply*=el-48ea94d8],#el-48ea94d8 [data-vce-do-apply*=margin][data-vce-do-apply*=el-48ea94d8],#el-48ea94d8[data-vce-do-apply*=all][data-vce-do-apply*=el-48ea94d8],#el-48ea94d8[data-vce-do-apply*=margin][data-vce-do-apply*=el-48ea94d8]{margin-top:10px}}@media (max-width:543px){#clone-el-014cacaa [data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#clone-el-014cacaa [data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa],#clone-el-014cacaa[data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#clone-el-014cacaa[data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa],#el-014cacaa [data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#el-014cacaa [data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa],#el-014cacaa[data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#el-014cacaa[data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa]{margin-bottom:0}} @media (min-width:544px) and (max-width:767px){#clone-el-014cacaa [data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#clone-el-014cacaa [data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa],#clone-el-014cacaa[data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#clone-el-014cacaa[data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa],#el-014cacaa [data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#el-014cacaa [data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa],#el-014cacaa[data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#el-014cacaa[data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa]{margin-bottom:0;margin-left:20px}} @media (min-width:768px) and (max-width:991px){#clone-el-014cacaa [data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#clone-el-014cacaa [data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa],#clone-el-014cacaa[data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#clone-el-014cacaa[data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa],#el-014cacaa [data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#el-014cacaa [data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa],#el-014cacaa[data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#el-014cacaa[data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa]{margin-bottom:0}} @media (min-width:992px) and (max-width:1199px){#clone-el-014cacaa [data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#clone-el-014cacaa [data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa],#clone-el-014cacaa[data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#clone-el-014cacaa[data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa],#el-014cacaa [data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#el-014cacaa [data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa],#el-014cacaa[data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#el-014cacaa[data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa]{margin-bottom:0}} @media (min-width:1200px){#clone-el-014cacaa [data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#clone-el-014cacaa [data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa],#clone-el-014cacaa[data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#clone-el-014cacaa[data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa],#el-014cacaa [data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#el-014cacaa [data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa],#el-014cacaa[data-vce-do-apply*=all][data-vce-do-apply*=el-014cacaa],#el-014cacaa[data-vce-do-apply*=margin][data-vce-do-apply*=el-014cacaa]{margin-bottom:0}}@media all and (min-width:768px),print{.vce-row--col-gap-30[data-vce-do-apply*=a9b0156a]>.vce-row-content>.vce-col--md-27p{-webkit-flex:0;flex:0;-webkit-flex-basis:calc(27% - 21.9px);flex-basis:calc(27% - 21.9px);max-width:calc(27% - 21.9px)}} @media all and (min-width:768px),print{.vce-row--col-gap-30[data-vce-do-apply*=a9b0156a]>.vce-row-content>.vce-col--md-73p{-webkit-flex:0;flex:0;-webkit-flex-basis:calc(73% - 8.1px);flex-basis:calc(73% - 8.1px);max-width:calc(73% - 8.1px)}} #el-a9b0156a [data-vce-do-apply*=all][data-vce-do-apply*=el-a9b0156a] .vce-content-background-container,#el-a9b0156a [data-vce-do-apply*=border][data-vce-do-apply*=el-a9b0156a] .vce-content-background-container,#el-a9b0156a[data-vce-do-apply*=all][data-vce-do-apply*=el-a9b0156a] .vce-content-background-container,#el-a9b0156a[data-vce-do-apply*=border][data-vce-do-apply*=el-a9b0156a] .vce-content-background-container{border-radius:inherit}@media (min-width:1200px){#el-a9b0156a [data-vce-do-apply*=all][data-vce-do-apply*=el-a9b0156a],#el-a9b0156a [data-vce-do-apply*=padding][data-vce-do-apply*=el-a9b0156a],#el-a9b0156a[data-vce-do-apply*=all][data-vce-do-apply*=el-a9b0156a],#el-a9b0156a[data-vce-do-apply*=padding][data-vce-do-apply*=el-a9b0156a]{padding-top:30px}} @media (min-width:1200px){#el-a9b0156a [data-vce-do-apply*=all][data-vce-do-apply*=el-a9b0156a],#el-a9b0156a [data-vce-do-apply*=background][data-vce-do-apply*=el-a9b0156a],#el-a9b0156a[data-vce-do-apply*=all][data-vce-do-apply*=el-a9b0156a],#el-a9b0156a[data-vce-do-apply*=background][data-vce-do-apply*=el-a9b0156a]{background-color:#1b3a5e}} #el-a9b0156a [data-vce-do-apply*=all][data-vce-do-apply*=el-a9b0156a] .vce-content-background-container,#el-a9b0156a [data-vce-do-apply*=border][data-vce-do-apply*=el-a9b0156a] .vce-content-background-container,#el-a9b0156a[data-vce-do-apply*=all][data-vce-do-apply*=el-a9b0156a] .vce-content-background-container,#el-a9b0156a[data-vce-do-apply*=border][data-vce-do-apply*=el-a9b0156a] .vce-content-background-container{border-radius:inherit}@media (min-width:992px) and (max-width:1199px){#el-a9b0156a [data-vce-do-apply*=all][data-vce-do-apply*=el-a9b0156a],#el-a9b0156a [data-vce-do-apply*=padding][data-vce-do-apply*=el-a9b0156a],#el-a9b0156a[data-vce-do-apply*=all][data-vce-do-apply*=el-a9b0156a],#el-a9b0156a[data-vce-do-apply*=padding][data-vce-do-apply*=el-a9b0156a]{padding-top:30px}} @media (min-width:992px) and (max-width:1199px){#el-a9b0156a [data-vce-do-apply*=all][data-vce-do-apply*=el-a9b0156a],#el-a9b0156a [data-vce-do-apply*=background][data-vce-do-apply*=el-a9b0156a],#el-a9b0156a[data-vce-do-apply*=all][data-vce-do-apply*=el-a9b0156a],#el-a9b0156a[data-vce-do-apply*=background][data-vce-do-apply*=el-a9b0156a]{background-color:#1b3a5e}} @media (min-width:768px) and (max-width:991px){#el-a9b0156a{display:none}} @media (min-width:544px) and 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[data-vce-do-apply*=border][data-vce-do-apply*=el-958452dc] .vce-content-background-container{border-radius:inherit}@media all{#el-958452dc[data-vce-do-apply*=all][data-vce-do-apply*=el-958452dc],#el-958452dc [data-vce-do-apply*=all][data-vce-do-apply*=el-958452dc],#el-958452dc[data-vce-do-apply*=padding][data-vce-do-apply*=el-958452dc],#el-958452dc [data-vce-do-apply*=padding][data-vce-do-apply*=el-958452dc]{padding-top:50px}}\n<\/style>\n<!--vcv no format--><div class=\"vce-row-container\" data-vce-boxed-width=\"true\"><div class=\"vce-row vce-row--col-gap-30 vce-row-equal-height vce-row-content--top\" id=\"el-958452dc\" data-vce-do-apply=\"all el-958452dc\"><div class=\"vce-content-background-container\"><\/div><div class=\"vce-row-content\" data-vce-element-content=\"true\"><div class=\"vce-col vce-col--md-auto vce-col--xs-1 vce-col--xs-last vce-col--xs-first vce-col--sm-last vce-col--sm-first vce-col--md-last vce-col--lg-last vce-col--xl-last vce-col--md-first vce-col--lg-first vce-col--xl-first\" id=\"el-6a0dbc85\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-6a0dbc85\"><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-6a0dbc85\"><div class=\"vce-row-container\" data-vce-boxed-width=\"true\"><div class=\"vce-row vce-row--col-gap-30 vce-row-equal-height vce-row-content--top\" id=\"el-f8bfe0a4\" data-vce-do-apply=\"all el-f8bfe0a4\"><div class=\"vce-content-background-container\"><\/div><div class=\"vce-row-content\" data-vce-element-content=\"true\"><div class=\"vce-col vce-col--md-auto vce-col--xs-1 vce-col--xs-last vce-col--xs-first vce-col--sm-last vce-col--sm-first vce-col--md-last vce-col--lg-last vce-col--xl-last vce-col--md-first vce-col--lg-first vce-col--xl-first\" id=\"el-ed7cfca9\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-ed7cfca9\"><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-ed7cfca9\"><div class=\"vce-layouts-post-title-container pagetitle vce-layouts-post-title-container--align-left\"><div class=\"vce-layouts-post-title vce\" id=\"el-25ef79d7\" data-vce-do-apply=\"all el-25ef79d7\"><h1>Self Insuring<\/h1><\/div><\/div><div class=\"vce-row-container\" data-vce-boxed-width=\"true\"><div class=\"vce-row vce-row--col-gap-30 vce-row-equal-height vce-row-content--top\" id=\"el-cb36ec13\" data-vce-do-apply=\"all el-cb36ec13\"><div class=\"vce-row-content\" data-vce-element-content=\"true\"><div class=\"vce-col vce-col--md-auto vce-col--xs-1 vce-col--xs-last vce-col--xs-first vce-col--sm-last vce-col--sm-first vce-col--md-last vce-col--lg-last vce-col--xl-last vce-col--md-first vce-col--lg-first vce-col--xl-first\" id=\"el-b622b597\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-b622b597\"><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-b622b597\"><div class=\"vce-button--style-basic-container vce-button--style-basic-container--align-left\"><span class=\"vce-button--style-basic-wrapper vce\" id=\"el-ec9ac619\" data-vce-do-apply=\"margin el-ec9ac619\"><a class=\"vce-button--style-basic vce-button--style-basic--border-square vce-button--style-basic--size-small vce-button--style-basic--color-empty--b-177-137-59\" href=\"https:\/\/maabrethren.com\/archive\/\" title=\"\" data-vce-do-apply=\"padding border background  el-ec9ac619\">Archive<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><!--vcv no format--><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vce-row-container\" data-vce-boxed-width=\"true\"><div class=\"vce-row vce-row--col-gap-30 vce-row-equal-height vce-row-content--top\" id=\"el-b4be3c67\" data-vce-do-apply=\"all el-b4be3c67\"><div class=\"vce-content-background-container\"><\/div><div class=\"vce-row-content\" data-vce-element-content=\"true\"><div class=\"vce-col vce-col--md-auto vce-col--xs-1 vce-col--xs-last vce-col--xs-first vce-col--sm-last vce-col--sm-first vce-col--md-last vce-col--lg-last vce-col--xl-last vce-col--md-first vce-col--lg-first vce-col--xl-first\" id=\"el-856fb3ba\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-856fb3ba\"><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-856fb3ba\"><div class=\"vce-text-block\"><div class=\"vce-text-block-wrapper vce\" id=\"el-cd59f92c\" data-vce-do-apply=\"all el-cd59f92c\"><h2 style=\"text-align: center;\">Self-Insuring<\/h2><p style=\"text-align: center;\">What does it mean, and is it a good choice?<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vce-row-container\" data-vce-boxed-width=\"true\"><div class=\"vce-row vce-row--col-gap-30 vce-row-equal-height vce-row-content--top\" id=\"el-1cc95b9d\" data-vce-do-apply=\"all el-1cc95b9d\"><div class=\"vce-content-background-container\"><\/div><div class=\"vce-row-content\" data-vce-element-content=\"true\"><div class=\"vce-col vce-col--md-auto vce-col--xs-1 vce-col--xs-last vce-col--xs-first vce-col--sm-last vce-col--sm-first vce-col--md-last vce-col--lg-last vce-col--xl-last vce-col--md-first vce-col--lg-first vce-col--xl-first\" id=\"el-b9fce429\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-b9fce429\"><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-b9fce429\"><div class=\"vce-text-block\"><div class=\"vce-text-block-wrapper vce\" id=\"el-9b3a07ca\" data-vce-do-apply=\"all el-9b3a07ca\"><p><strong>What does self-insure mean?<\/strong><\/p><p>Self-insuring is defined by protecting yourself or your ministry through a cash reserve\u2014money you or your ministry has set aside for an emergency.<\/p><p><strong>Why is insurance always worth the investment?<\/strong><\/p><p>We would recommend everyone have liability insurance at the very least\u2014 legal defense and settlement costs for a liability claim can be financially devastating, and it\u2019s impossible to predict how great the final bill could be. A lot of people just consider property loss when insuring, but liability coverage is just as important, if not more so.<\/p><p>We live in a time of social inflation, which means that insurance claims are up, litigation cases are up, and the dollar amount that juries are awarding is up. In the case of a liability or total property loss claim, you will most likely get more than you paid into premium costs. Ask anyone who has ever had one of these types of claims, and they will likely tell you that the premiums paid were worth every penny.<\/p><p><strong>Why purchase insurance through MAA?<\/strong><\/p><p>Individuals or organizations considering self-insure typically do so because they feel they are paying premiums without a return. Instead of looking at the total dollar amount for premium, think about how much it is costing you per day to keep you and your family safe and ask yourself if it is worth the cost.<\/p><p>MAA is not in the business of taking money and never giving anything back: We are here to protect you and to do good, which is why part of your premium dollars go back to those in need through our Brethren Mutual Aid Share Fund and Ministry Partnership Program.<\/p><p><strong>Final Thoughts<\/strong><\/p><p>As an insurance agency, we cannot recommend self-insurance unless you, without a doubt, would be able to financially withstand substantial loss due to property damage or destruction, or a hefty liability claim. Many times, the assets of the insured are compromised or even lost due to an uninsured or underinsured loss. After all, it\u2019s better to have insurance and never need it, than to need it and not have it. Your premium is more than just a payment to a company; it\u2019s peace of mind for the \u201cwhat if\u2019s\u201d in life. It is important to understand what your premium is paying for, and this is accomplished through an annual insurance review.<\/p><p>Do you have questions about insuring through MAA, or what your current premium is paying for? Contact us! We are here to help!<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Self-InsuringWhat does it mean, and is it a good choice?What does self-insure mean?Self-insuring is defined by protecting yourself or your ministry through a cash reserve\u2014money you or your ministry has set aside for an emergency.Why is insurance always worth the investment?We would recommend everyone have liability insurance at the very least\u2014 legal defense and settlement [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":77,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/maabrethren.com\/wp-json\/wp\/v2\/posts\/71"}],"collection":[{"href":"https:\/\/maabrethren.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maabrethren.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maabrethren.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maabrethren.com\/wp-json\/wp\/v2\/comments?post=71"}],"version-history":[{"count":3,"href":"https:\/\/maabrethren.com\/wp-json\/wp\/v2\/posts\/71\/revisions"}],"predecessor-version":[{"id":311,"href":"https:\/\/maabrethren.com\/wp-json\/wp\/v2\/posts\/71\/revisions\/311"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/maabrethren.com\/wp-json\/wp\/v2\/media\/77"}],"wp:attachment":[{"href":"https:\/\/maabrethren.com\/wp-json\/wp\/v2\/media?parent=71"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maabrethren.com\/wp-json\/wp\/v2\/categories?post=71"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maabrethren.com\/wp-json\/wp\/v2\/tags?post=71"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}