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 […]

Nonprofit Risk Management Resource: EEOC Fiscal Year 2014 Report

One of the best ways to manage risk is to understand where other people are running into problems. The Equal Employment Opportunity Commission issues a report each year with all of its enforcement and litigation data.  This report is a powerful tool to help you understand why employees are filing complaints with the EEOC. Why […]

Nonprofit Directors and Officers Liability: Not JUST for Ds and Os

Click here to get a D&O quote for your nonprofit. One of the most frequent requests I get as an insurance agent for the nonprofit stars is this: Find me some Directors and Officers (D&O) Insurance! And now! While D&O is NOT the only coverage needed for a nonprofit organization, it is a vital line of […]

Taking the Guesswork Out of Risk Management

We definitely have to factor likelihood of various scenarios happening. If you don’t have a car, then you don’t need auto insurance. If you’re not on a fault line, you might not necessarily need to add earthquake insurance (probably). And we all have budgets. You’d be dumb to spend every penny you have on insurance. […]