Insurance for Foundations and Charitable Organizations: A CFO’s Guide to Coverage
Reading Time: 3 minutesInsurance for Foundations and Charitable Organizations: A CFO’s Guide to Coverage Private foundations, community foundations, and family foundations operate with governance structures, investment activities, and regulatory obligations that create insurance needs distinct from operating nonprofits. A family foundation managing a $50M endowment and making annual grants has different D&O exposure than a community organization running […]
Event Cancellation Insurance for Nonprofits: Protecting Galas, Fundraisers, and Annual Events
Reading Time: 3 minutesEvent Cancellation Insurance for Nonprofits: Protecting Galas, Fundraisers, and Annual Events For many nonprofits, a single annual gala or fundraising event represents 20–40% of the entire operating budget. That concentration of financial risk in a single evening — dependent on weather, vendor performance, venue availability, and a hundred other variables outside your control — is […]
Employment Practices Liability for Nonprofits: EPLI Coverage for Mission-Driven Organizations
Reading Time: 3 minutesEmployment Practices Liability for Nonprofits: EPLI Coverage for Mission-Driven Organizations Nonprofits are not exempt from employment law. A terminated program director who claims wrongful termination. A staff member who alleges a supervisor created a hostile work environment. A former volunteer coordinator who files a discrimination claim with the EEOC. These situations happen at nonprofits regularly […]
Cyber Liability Insurance for Nonprofits: Protecting Donor Data, Grant Systems, and Client Records
Reading Time: 4 minutesCyber Liability Insurance for Nonprofits: Protecting Donor Data, Grant Systems, and Client Records Nonprofits store some of the most sensitive personal data in any sector — donor financial information, client health and social service records, beneficiary addresses and immigration status, youth program participant data. A data breach involving any of these populations creates immediate legal […]
General Liability Insurance for Nonprofits: Costs, Requirements, and What It Actually Covers
Reading Time: 5 minutesGeneral Liability Insurance for Nonprofits: Costs, Requirements, and What It Actually Covers General liability insurance is the coverage most people picture when they think about business insurance — and for good reason. It’s the foundational protection that covers your organization when a third party is injured or their property is damaged because of your operations. […]
Directors and Officers Insurance for Nonprofits: What Every Board Member Needs to Know
Reading Time: 6 minutesDirectors and Officers Insurance for Nonprofits: What Every Board Member Needs to Know Serving on a nonprofit board is an act of civic commitment. It is not a shield from personal liability. Board members of 501(c)(3) organizations can be sued personally — by employees, donors, clients, government agencies, or other board members — for decisions […]
Nonprofit Insurance: The Complete Coverage Guide for 501(c)(3) Organizations
Reading Time: 9 minutesNonprofit Insurance: The Complete Coverage Guide for 501(c)(3) Organizations Nonprofits face a paradox most executives don’t fully appreciate until something goes wrong: the same mission-driven culture that attracts dedicated staff and generous donors also creates real legal and financial exposure. A board member gets sued personally for a governance decision. A volunteer injures a client […]
Is an Umbrella Policy a Waste of Money? Here’s What $1M in Coverage Actually Costs
Reading Time: 8 minutesIs an Umbrella Policy a Waste of Money? Here’s What $1M in Coverage Actually Costs Last Updated: March 2026 No — an umbrella policy is not a waste of money. A $1 million personal umbrella policy costs between $150 and $300 per year, which works out to $12–$25 per month. For that, you get liability […]
Employee Benefits Open Enrollment: A Timeline for HR Directors
Reading Time: 8 minutesEmployee Benefits Open Enrollment: A Timeline for HR Directors Key Takeaways for HR Directors Open enrollment starts 90–120 days before your plan year, not 30 days — HR Directors who begin the process in September for a January 1 plan year are already behind on carrier negotiations. The carrier negotiation and benchmarking phase (Days 90–60) […]
Employee Benefits Strategy for Growing Mid-Market Companies
Reading Time: 10 minutesRelated Resources Working With An Employee Benefits Broker Benchmarking Your Benefits Package Employee Benefits Strategy for Growing Mid-Market Companies Key Takeaways for HR Directors and CFOs Benefits strategy is a talent strategy — companies scaling from 100 to 500 employees are competing for the same people, and your benefits program is a material factor in […]