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 […]

What’s the Difference between a Claims-Made and an Occurrence Policy?

I’m glad you asked! I’ll try to answer for you. My suspicion is that if you’re reading this post, then you did a very specific search and you just want an answer. You don’t need any fluff. Claims-made and occurrence policies will always refer to a feature in some kind of liability policy: professional, directors […]