Overlapping Policies and Filling in Gaps (Video)

by | August 26, 2025

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This video is a discussion with insurance executive and international advisor Derek Gard and focuses primarily on NGOs (Non-Governmental Organizations), MSOs (Mission-Sending Organizations), and other international organizations. He discusses handling the importance of overlapping policies and filling in gaps so that nothing is left uncovered by international insurance.

Read about how overlapping policies helped evacuate a missionary here.

Learn about Derek’s newsletter for international organizations.

Read about four common gaps in church insurance here.

Further Reading

Insurance coverage should not be considered bound unless/until written verification is received from an authorized representative of American Church Group or Bitner-Henry Insurance Agency. Email transmission cannot be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses.