7 Amazingly Common Sense Insurance Principles for Nonprofits

Yes. These principles are amazing. And they are common sense. But they aren’t always obvious. You also will not find these 7 principles here in this blog post (although with enough patience and searching, you’ll find the principles discussed throughout the Nonprofit Insurance Blog). You have to click here to go over to the blog at […]

Why the Names on Your Policies Matter

What’s in a name? Would an insurance policy in any other name but your nonprofit’s still protect your nonprofit? Do the names in your additional insured endorsements matter? Would your policy be any fairer if you did not willy-nilly add every Tom, Dick, or Harry to your policy as additional insureds on a primary, noncontributory […]

How Much Do Nonprofit D&O Policies Cost?

Did you really think I was going to give a specific number? I will say that if you’re a startup nonprofit with relatively innocuous operations, then your policy will qualify for minimum premiums which range from $600 to $900, depending on the nonprofit directors and officers insurance carrier. Here are some factors that go into […]

Nonprofit Resource: OSHA’s Guidelines for Preventing Violence for Healthcare and Social Workers

I highly recommend that you click on this link and read the Guidelines for Preventing Workplace Violence for Healthcare and Social Service Workers by OSHA. I pray that OSHA is cool with quoting a large chunk of their report, but I wanted to list some of the bullet points they include regarding the special risk factors […]

5 Tips for Reading (and Understanding) Your Nonprofit D&O Policy

Need a D&O quote for your nonprofit? Click here to get started.  When was the last time you read your insurance policies? When was the last time you started reading your insurance policies only to give up in frustration? Since you drew the short straw and have been chosen ‘insurance guru’ of your nonprofit, it behooves you […]

5 Reasons Why Your Volunteer-Only Nonprofit Needs Employment Practices Liability

Nonprofit management liability insurance usually includes two coverages: Directors and officers liability (D&O) Employment practices liability (EPLI) Many small nonprofits are volunteer-led or use only 1099 contracted employees to do their work. Consequently, I have had this conversation often (or some version of it): Nonprofit: We don’t have employees. We don’t need employment practices liability insurance. Take […]