How Do Employment Practices Apply to Volunteers?

Many nonprofits rely on volunteers in addition to paid employees to achieve their goals. However, nonprofits should take pains to understand what the true legal difference is between these two types of workers. The simple difference is that employees are paid and volunteers are not, but several factors affect the legal definition. Volunteer vs Employee: […]

Small Claims are Big with your Nonprofit Insurance

Small claims and innocent circumstances can have a negative effect on your nonprofit. In all of our discussions about the big insurance picture and the big claims sometimes we forget to talk about the small claims and what can be done. And, any discussion of insurance for nonprofits needs to include a [...]

Client Sexual Abuse: Insurance for Nonprofits Essential Coverage

Sexual abuse is a difficult and uncomfortable topic. Like so many things that are difficult to talk about critical steps to prevent problems are often left un-discussed. But uncomfortable or not Sexual Abuse is a topic that must be addressed by all social service organizations with direct client contact. Improper Sexual Conduct or Sexual Abuse […]

Business General Liability Insurance Claims – What About Defense?

I just got off the phone with one of my clients who was very upset because he was served with a law suit this morning. He owns a restaurant and one of his customers claims that she became sick after eating food fried in peanut oil. This customer is claiming my client is negligent because […]