A risk advisor for nonprofits & associations

A nonprofit’s biggest exposures rarely sit on the property schedule. The board carries personal management-liability risk for governance decisions, fiduciary duty, and oversight of grant dollars, which is why directors and officers coverage — and the volunteer board members it protects — gets the most scrutiny. Organizations that run youth programs, mentoring, shelters, counseling, or any direct contact with vulnerable populations face abuse and molestation claims, an exposure that is frequently sublimited, sometimes excluded outright, and increasingly hard to place. We read the abuse and molestation language closely so the limit, the sublimit, and any defense-cost treatment are clear before a policy binds, rather than discovered after an allegation.

Service-delivery work creates professional liability that general liability will not answer. Case management, social services, counseling, job training, and similar programs can draw allegations of failure to deliver or improper care that fall under social services professional liability, not premises GL. We also look hard at the people side: employment practices liability for wrongful termination, harassment, and discrimination claims, which hit mission-driven organizations with lean HR functions; and crime/fidelity coverage for theft, embezzlement, and improper use of restricted funds — an area many funders and grant agreements specifically require. Where grant covenants dictate limits, additional-insured status, or employee-dishonesty bonding, we line the program up against those requirements so the filings match what the funder asked for.

Day-to-day operations add their own gaps. Volunteers driving their own cars to deliver meals or transport clients create hired and non-owned auto exposure that sits outside a standard auto policy; fundraisers, galas, and community events bring special-event liability and, where alcohol is served, host liquor considerations. We structure coverage and risk transfer around these realities — confirming volunteers are addressed as insureds where the policy allows, reviewing event and vendor contracts and certificates, and building the program to reduce gaps and clarify exclusions across D&O, professional, GL, and crime lines.