While we are enjoying unseasonably warm temperatures as we head into December, cold weather is most certainly just around the corner.  With the winter weather comes the increased potential for freezing pipes, water damage and slips and falls. Please take a few moments to view the following links offering tips on how to prevent these types of losses.


Preventing Pipe Freeze and Water Damage

Preventing Slips, Trips, and Falls


From all of us at EHD and Philadelphia Insurance Company, may you have a blessed and Merry Christmas and a safe, healthy and happy New Year!



Edward J. Eshleman, CPCU

Assistant Vice President

Commercial Lines Manager






Effective immediately Property & Casualty claims should now be reported to Nicole Martin at EHD. Nicole is replacing Julia Sechrist who has moved from the area.   

Nicole can be reached at 800-544-7292 Ext. 225 or via email at 


Edward J. Eshleman, CPCU

Assistant Vice President

Commercial Lines Manager 


Title: Candle Control


A few reminders to help control the fire exposure within your building(s):


1. The use of open flame within the building should always be an approved activity by the respective church's Board of Trustees. Where possible and without diminishing the spiritual value of an open flame, the use of candle alternatives should be employed. 


2. Used candles should be stored in a sealed non-combustible container and stored away from other flammable/combustible materials. Metal cake pans or a metal coffee can (with lids) are among the acceptable storage containers for used candles. 


3. The casual use of open flame should be prohibited in offices, Sundayschool rooms, and similar settings when there is no spiritual significance to the burning of the flame. 


4. At least one adult should be present in the room in which an open flame is being used. 


5. Matches and lighters should be stored in a secured/locked location within the building when not being used. Used matches should not be discarded in a regular trash can within the building. 


6. Lit candles should be stabilized in the upright position



While the Property & Casualty Insurance Program for the Susquehanna Conference is extremely broad and comprehensive in nature, as is the case with any and all insurance policies, there are certain limitations and circumstances that are not covered and in fact are simply not insurable on any policy. Two prime examples of this are release of pollutants and damage that is caused by or a result of wear and tear, rust, corrosion, decay, rot or deterioration. We have seen an uptick in these types of claims and unfortunately coverage denials as a result. Two cases in particular involved heating oil tanks located in the basement of their respective buildings. In both cases the tanks were old and previously undetected, the bottoms had deteriorated and the weight of freshly delivered heating oil caused them to give way. The first issue was the release of a pollutant (heating oil) as well as the damage caused by the release and of course the damage to the tank.


Oil tanks are certainly not the only things that can deteriorate and it would be wise to survey all buildings for signs of deterioration and wear and tear making necessary repairs but in view of these two claims, if your buildings are older and do have free standing oil tanks, we do recommend having a plumbing and heating contractor inspect your tanks to be sure they are structurally sound.


Edward J. Eshleman, CPCU

Assistant Vice President

Commercial Account Executive


350 Eagleview Blvd. Suite 110

Exton, PA 19341

P: 800-627-3732 x223

F: 610-280-0703

C: 610-745-3898