Find yourself wondering what insurance is needed for maternity housing? What kind of insurance coverages are needed and what kind of company sells those policies? We dive a little deeper into the topic for you below.

Insurance

Some types of insurance are regulated, others are industry-standard, and others are optional. Getting the appropriate amount of insurance is a balance of risk assessment. Recognize that insurance companies are motivated to sell insurance policies that often represent worst-case scenarios. Likewise, organizations should protect and prepare themselves for challenging circumstances that may arise. Involving Board members with insurance experience in the conversation may help an organization find its “comfort zone.” Insurance companies are a great resource for advice on how an organization can reduce risk. Larger insurance companies may even have a “risk assessment professional” that can do a site visit to offer feedback and suggestions.

General Liability

General Liability insurance is related to accidents that may result in bodily or personal injury or property damage. The cost is determined by the insurer’s assessment of risk based on the number of people involved, the size of the facility, the activities of the organization, etc. In some cases, the organization may ask or be asked to be listed as an “additional insured” for specific reasons (i.e. an event held on a rented property). This is common and easily done by calling one’s insurance agent.

Property Insurance or Renter’s Insurance

Property insurance covers the expense of damage to or destruction of the building and its contents. Various factors affect how a property insurance policy is crafted (e.g. replacement cost vs actual cost). Renter’s insurance, used when a property is being leased, covers solely the contents (not the structure). Organizations must weigh the cost-benefit analysis of valuing the contents at replacement cost, even if donated.

Directors and Officers Insurance

Directors and officers insurance (commonly referred to as D&O Insurance) is insurance for lawsuits due to wrongful acts or mismanagement of the organization most commonly related to employment practices. Requiring the organization to have D&O Insurance is frequently an expectation of experienced Board members.

Automotive Insurance

Any vehicles owned by the organization will need to be insured. If the organization does not own vehicles, it may choose to have a “hired and non-owned” policy that augments the private insurance of volunteers and staff members who may be driving on behalf of the organization. Some drivers and/or vehicles are considered higher risk (i.e. young drivers, 15-passenger vans) and will have higher premiums. Homes are advised to avoid any language related to offering medical care as auto policies have been known to group maternity homes into the costly category of ambulatory medicine.

Professional Liability Insurance

Professional liability insurance addresses the liability related to the professional services of counselors, social workers, and other professionals. If the organization is hiring someone with a professional designation as an employee (rather than an independent contractor), it will need to assume professional liability insurance. The issues related to the scope of practice, covered elsewhere, are critical for this reason.

Life Insurance

Organizations may choose to take out a life insurance policy on a key employee(s) and name the organization as the beneficiary. This is done if the death of the employee would have a very substantial and immediate impact on the organization.

Worker’s Compensation

Worker’s compensation provides coverage for job-related injuries and illnesses and may be required by law depending on jurisdiction and the number of employees.

Life-Affirming Insurance Companies

Heartbeat has a list of preferred insurance companies that have worked well for pregnancy help organizations for years. Click here to learn more.

This and more amazing resources for homes are included in Maternity Housing Essentials - Heartbeat's key resource for anyone starting or maintaining a maternity housing program.

by Cindi Boston-Bilotta, Vice President of Mission Advancement, Heartbeat International

You are incredible change-makers in your community. You plan, follow through, inspire, sacrifice, lead, and come alongside women who will make life-and-death decisions. Their lives are changed forever because of what you do!

But how do you communicate success to your financial partners?

A 2022 Stanford Social Innovation Review study gave a comparable view with metrics shifting donations from charities with only a good pitch to those with supportive results. When combined with a good pitch, including “features” of an organization, metrics create a winning combination. More than 70 percent of surveyed donors said they care about metrics.

Interesting! Donors desire an emotional connection to their giving and want data-driven investment. The goal of donor care is to respect the interests and passions of donors. But how do you communicate the success so your financial sponsors so they can grasp the storyline in statistics? We show change through storytelling and relevant metrics to show return on investment.

When storytelling and statistics are combined in publications, articles, thank you notes, public relations, and conversations, your donors will grow a stronger connection to your organization as you show evidence that their investment makes a difference.

With a healthy donor care plan, several critical components must be in place to create strong donor relationships and trust. The Donor Loyalty Cycle, created by Veritus Group, gives us a glimpse:

In every stage, metrics complement storytelling to assist a donor in understanding the mission and the donor’s role as a change-maker. Here are a few examples:

Create Awareness – share the need – use community health department data to prove the need of the population you serve – the number of pregnant women, an estimate of women using chemical abortion, the long-term impacts of fatherless families or under-educated single moms, etc. Prove the need and then show how your programs will impact for the better.

Ask – match the interests of your donors with your programs. After showing the need, use data to predict your impact if you were to start or upgrade a program. Inspire a donor by matching their interests to a program growth goal. If they love the Ultrasound program, give stats showing a greater rate of life choices after an ultrasound. Then, share a moving story to bring in the emotion of a powerful story.

Acknowledge and Affirm – contact financial partners early and often about how their investment changes lives. Donors want to know how metrics reveal a conversion for your clients. Statistics open the eyes of a donor to the relevance of their gifts. They can see the impact on your clients. They are helping create a hopeful future for families.

Report – communication reminds sponsors that their monthly gift, quarterly pledge, or donation to a specific need or program will give them a sense of purpose and create an in-depth view of what their funds have accomplished through quotes, stories, pictures, and return on investment.

Motivate – inspire so donors are moved and consider giving again. They will see the impact of their gift and, as you give them new opportunities to provide again, will likely re-invest in your programs.

A written and verbal report can balance emotional stories, quotes, and incredible outcomes. Recently, a Heartbeat donor cried as he related to the desperation of a client's story. The stories and stats reminded him that we are creating safer spaces for moms, dads, and babies. We are preserving the branches of family trees. We share the love of Christ on behalf of donors who may never meet the clients they help. Change, shown through stories and statistics, inspires and motivates our generous donors.

Stories and statistics are a dynamic duo used to create interest, develop loyalty, and inform our financial sponsors that they are vital to our mission.

Many a well-thought-out strategy under-delivers its potential because there is no continuing framework for implementing it…no workable plan. How do we go from the choices of the ends and means of strategy to the steps and tasks of execution?

If we’re like many, we fail to see planning as distinct work in its own right. Rather, we think planning is something to rush through so we can get on with the work. Not so. Planning is a creative act, using the imagination God gave us to see something in our mind’s eye that does not currently exist and determine how to bring it to life. It’s parallel to God’s process of creation, except He can speak things into existence and we have to work things into existence.

How do we begin? Here’s an illuminating comment from a perhaps unexpected source. “The secret of getting ahead is getting started. The secret of getting started is breaking your complex overwhelming tasks into small manageable tasks, and starting on the first one.” Mark Twain

As an aside, in most cases working as a group will yield better plans than working on our own. Why is this? First, each member of the group brings a different array of knowledge and experience to the process. Second, members of the group build off the ideas of others in ways that can’t happen working alone. Third, the time when others are speaking in the conversation creates mental space for new connections that often does not occur when we’re on our own.

Back to the business at hand. At this link, Workplan, available for you to print, is a simple worksheet for breaking your complex tasks into manageable ones and beginning to get them done. Let me explain the columns:

• Projects/tasks. This column is for breaking what has to be done into projects and tasks. The definitions are simple: a project is something that has more than one task. A task is something someone can commit to accomplishing within a certain period of time. For example, in the worksheet, I’ve shown “launch new website” as a project and typical steps as tasks.
  
  
• Responsible. In all my work with groups, I’ve never had one that did not answer this question correctly in unison: If everyone is responsible, who’s responsible? Right, if everyone is responsible, no one's responsible. So this column is for assigning a single person responsibility for the project or subordinate tasks. To be clear, the person responsible may or may not be doing all the work, but regardless they are responsible for ensuring the work gets done.
  
  
• Resources. In this column, we think through in advance all that will be needed to complete the work. (In a similar vein, see Luke 14:28.) For the most part, resources fall into three categories:
  • People. Who will help? Who from within your organization will contribute? What outside contacts can you tap? What areas of expertise or experience will you need, whether within or outside of your current circles to complete the work involved?
  • Money. Many things dictated by our strategy choices—especially significant, high-leverage ones—require funding. Sometimes those funds are in the budget; sometimes it is a separate task to raise funds for the project. It’s important to be specific about the amount of money needed. It’s not enough in this column to say “funding” or “money.” Taking the website project as an example, if no one on the team has an estimate of what it costs to develop a website, getting an estimate becomes a task.
  • Things. Even in today’s increasingly digital world, there are still things that are needed…a desk, a chair, a computer, a server, a screwdriver, a wrench. These may be things we have in hand that can be allocated to the project; they may also be things we have to freshly acquire.
    
    
• Timing. If we want to finish something eventually, we have to start it at a point in time. Every task, regardless of how small, has a duration, the amount of time it will take to complete. My wife will tell you after decades of experience, if I estimate a task will take a half hour, it will take at least an hour, if not an hour and a half, or even the whole morning. We need to be clear-eyed about establishing reasonable time parameters, reflecting not only the task itself but also taking into account other duties, obligations or commitments of those involved.
  
  
• Sequence. Taking the first column next, the Sequence column acknowledges that we won’t necessarily think of projects or tasks in the order they will eventually be done. Attempting to think of the work in sequence may, in fact, slow down the creative process. The Sequence column gives us permission and a process for sorting out the order of the operations once they’ve all been identified.
  
  
• Status. The Status column is the power column of the plan. When the team meets, after exchanging pleasantries and prayer, those responsible report the status of their tasks or projects in one of three categories: completed, on track, or off track. That gives us the opportunity to applaud workers and work completed; encourage those involved with tasks that are on track, but not yet done; and have a discussion about items that are off track. The intent of off track discussions is not guilt, blame and shame, but rather to apply the best thinking of the group to getting the matter back on track or, in some cases, concluding the task shouldn’t be done at all and should be taken off the plan. In essence, then, your workplan becomes the primary agenda item for your current meeting and the vehicle for planning what’s to be done between meetings.

Bringing the series to a close, in February, we discussed direction decisions—things like mission and vision. In March we talked about bridging from those high-level concepts by developing a strategy—choices of ends and means to fulfill your organization’s purpose. Finally, this month we’ve offered a simple framework for reliably translating strategy into robust plans for getting things done.

Assignment: Sometime soon, compare your processes to those discussed in the past three months. What elements of them could you adopt to make your processes more robust and your outcomes more reliable?

Zeke Swift is a Heartbeat International Board member and has facilitated strategy development with more than 40 for-profit and not-for-profit enterprises and groups over the past 20 years. He can be reached at This email address is being protected from spambots. You need JavaScript enabled to view it..

Heartbeat International joined the Center for Family and Human Rights, Asociacion La Familia Importa, The Global Center for Human Rights, and The Institute for Women’s Health in a panel at the United Nations during the sixty-seventh session of the Commission on the Status of Women on “How Embracing the Geneva Consensus Declaration Advances the Well-being of Families, Women and Girls.”

International Program Specialist, Ellen Foell, had the opportunity to speak at the #CSW67 side event on March 10, 2023, at the United Nations to support the Geneva Consensus Declaration and share how pregnancy help worldwide provides women with care and support, helping them and their families thrive so that no woman feels abortion is her only option. Heartbeat joined life-affirming organizations in support of the GCD.

Video property of UN Web TV. To view the meeting in its entirety, go to: media.un.org/en/asset/k18/k18b3n6zwb

Affiliate Map February 2023

Affiliate Country Map February 2023

by Andrea and Julianna Trudden

I began my journey with Heartbeat International just out of college. A few years before I was married and even more until I had my first child. (I'm dating myself, I know.) Like many who work in ministry, my children have been little helpers over the years. Writing notes to supporters, organizing envelopes, stuffing literature bags for conferences... you know, the fun stuff. The things that our children get to do to serve the movement as well.

This year, my 14-year-old daughter, Julianna, joined us in Washington, D.C. for our Babies Go to Congress event and the March for Life. She is a freshman in high school and there are many perspectives on a variety of social issues that she is exposed to. She has been looking forward to coming with us for Babies Go to Congress for a couple of years.

I asked Julianna to help us understand the events she participated in from her eyes. Here is what she witnessed:

Tell us about your experience of Babies Go to Congress:

Babies Go to Congress was something very different from anything I’ve experienced. We got to take three children, Lei’ Lani, Hezekiah, and Zoe, to meet with different Congressmen with their mothers to share their powerful stories. Seeing the kids and their mothers walk through the different rooms and halls of Congress, specifically, Lei’ Lani and her mother Danielle, was very inspirational, and Lei’ Lani was clearly enjoying the walk through the passageways and walking around outside the Capitol.

When we met with the legislative aids, they were all considerate and interested in the story that Danielle told them about herself and how the Paul Stefan Foundation had helped her. Everyone that we met there was very kind and treated everyone there equally and like adults, even Lei’ Lani and me.

Tell us about the March for Life: 

The March for Life was crowded and you really weren’t able to identify who all was there because there were so many people. It was hard to even move around during the rally, but when the March started, it was easier to walk around as you were following the crowd of people you were walking with.

Everyone was walking together and it seemed to be like a unity formed between everyone in the March. Schools that had come were praying, chanting, and singing while marching, and one woman who came was on crutches but still persisted through the March despite having difficulty moving around. Overall, it was really unified and peaceful; you could see the people around you talking with each other like it was just another day even though they were carrying signs or joining in chants and prayers periodically.

What does it mean to be pro-life?

Being pro-life means that you believe that everyone should have a chance to live, no matter what. Being pro-life doesn’t only mean that you are against abortion, it also means that you believe that no matter what a person has done, no matter the fact that they might be different from others, they deserve a chance to live and their life should not be taken from them.

Some pictures from Julianna's trip:

I am so grateful that Julianna got to see this side of our work and that we got this special time together. And a big thank you to my mom for joining the team as well! This is a trip we will always remember and perhaps the start of a new tradition!

EVALYNN'S STORY

Hezekiah — Born October 2021

Born to a crack-addicted and alcoholic mother, Evalynn was removed from her mother’s custody at the age of only 10. She had her first abortion at 19 and at 24 she almost died from a second abortion that led to her having an emergency D&C three days later.

At the age of 30, she found herself pregnant out of wedlock again.

“I was already a single mother of a 3-year-old and I was attempting to finish my Bachelor’s degree. I had no idea how I was going to support myself, two children, and finish college.”

Evalynn felt alone as the father of her baby was encouraging her to have an abortion and she had no one else to support her. Not knowing if she was going to choose to have an abortion or keep the baby, she reached out to the Women's Center of Ohio for an ultrasound.

That ultrasound changed her entire life, as it made the pregnancy real to her and empowered her to choose life for her baby! That choice also led to choosing life for herself as two months after that she surrendered her life to Jesus Christ.

Today, baby Hezekiah is a year old. Evalynn earned her bachelor’s degree and then married shortly after!

“In this age, the world tells women that to be happy and to have a successful life we must abort our unborn babies. That is the furthest thing from the truth! I have never lived a life that is so fulfilled physically, mentally, and spiritually. God used this baby's life to save mine and I am forever grateful!”

Support the efforts of pregnancy help organizations today so that moms like Evalynn are encouraged and equipped to choose life for their little ones.

Baby Hezekiah

DANIELLE'S STORY

At 20 years old, Danielle was terrified to find herself staring at two pink lines on a pregnancy test. She was immersed in a world of drugs, alcohol and risky behavior that she used to numb the pain of years of abuse and assault.

“I knew that I was carrying life - that it wasn’t just me anymore,” she said, “but I had no money, and my family refused to support me.”

That is when found a local maternity home, the Paul Stefan Foundation. It was here when she was welcomed with open arms and spent the next five years learning valuable life skills and gaining the education needed to get a good job for herself and her growing baby girl.

Danielle describes those years as the “hardest of my entire life, but they transformed me and my future in an incredible way.” She has remained involved with the home ever since, and today she serves her community as a foster care social worker in the Virginia Department of Social Services.

“So many women resort to abortion because they think it’s their only option, or that their baby will hinder their goals. I wish I could comfort those women, and tell them how keeping my baby motivated me to achieve every single goal that I set my mind on. I’d tell them that I named my daughter Lei’Lani, which means royal child of heaven. Why? I tell anyone who will listen – God sent her to me to save my life.”

Support the efforts of pregnancy help organizations today so that moms like Danielle are encouraged and equipped to choose life for their little ones. 

Lei'Lani and Danielle

KYLIE'S STORY 

Kylie* was a mom of two and had just started a new relationship when she found out that she was pregnant. She felt that she wasn’t ready, and even though her boyfriend was excited to be a dad, Kylie decided to have an abortion.

She quickly regretted this decision, especially as she and her boyfriend struggled to get pregnant again over the following years. She was overjoyed to find out she was pregnant in the summer of 2019 with a baby boy.

And then, when her son was seven months old, she found out that she was pregnant again with twins. Kylie felt overwhelmed and that she couldn’t go through with the pregnancy as her boyfriend was out of town quite a bit. The financial strain of raising five children on her own was just too much.

Hoping to get more answers, Kylie reached out to Real Options. She was still on the fence about getting an abortion, but after discussing the many resources that were available she realized she had all the support she needed!

Sadly, one of the twins passed before birth. Real Options was there for Kylie at that time as well, so she knew that she wasn’t alone. They provided her with counseling services and a baby shower. They gave her the support that she needed and became the family that she didn’t have.

“Now that my boyfriend is temporarily away, I still don’t feel alone. I know I have my family at Real Options and they are only one call away…If I didn’t come to Real Options, I would not have chosen life for my daughter. For that, we are forever grateful!”

*Name changed for privacy

Support the efforts of pregnancy help organizations today so that moms like Kiley are encouraged and equipped to choose life for their little ones. 

Baby Zoe

 .          .          .          .          .

Note: all times listed in the schedule are Mountain Time.
Each day will begin at 11:30 a.m. ET/9:30 a.m. MT

Click here to download and print a paper schedule of the Virtual Conference workshops!

.          .          .          .          .

A big thank you to our Sponsors for helping keep Conference costs low for those working in pregnancy help.