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Situation A large nonprofit in Cincinnati has been serving the community for more than 50 years. The organization, which serves Greater Cincinnati for addiction services, had two major claims and several smaller claims over the years. The small claims were reported without the organization understanding the impact they would have…

The mission of many human service organizations is to provide meaningful programs and services in their community to children and their families in a safe, supportive setting. One of the most important aspects of these services is to protect the most vulnerable population that they serve. Sadly, child sexual abuse…

As nonprofits face an increasing amount of need by those they serve, they can also look forward to a host of potential pitfalls on the back end. Nonprofits should keep an eye open to several trends that could impact operations by boosting their exposure to risk. Potential Property Pitfalls The…

Whether an individual is sitting on the board of a local nonprofit entity, a mid-sized private firm or a large Fortune 500 company, Directors and Officers Liability insurance (D&O) is an important consideration for both individual executives and the company. At its most basic level, D&O coverage is intended to…

Vulnerabilities and opportunities of risk are topics that worry most organizations. Understanding the risks your nonprofit faces also means understanding the necessary measures needed to prevent those risks from happening. From insurance coverage to internal controls, there are effective steps to put in place to ensure you are protecting your…

Employment practice lawsuits can prove to be damaging financially and to a business’s reputation, no matter the size. According to the EEOC, there have been a record number of filings in 2017 and the average cost of employment practice claims has increased dramatically over the past ten years, with claims…

Many Directors and Officers of private companies and non-profit organizations understand the importance of D&O insurance to protect their personal assets, as well as the entity’s balance sheet. Yet, many fail to take the time to understand important exclusions that are embedded in the policy. One such exclusion: professional services…

Accepting the invitation to join a board of directors for a non-profit organization can be a great honor, but the role also carries many responsibilities. Before you agree to accept a board seat, be sure that you understand the roles, risks and responsibilities involved. 1.) What are the expectations of your role…