Workers’ compensation is a mandatory policy for all organizations that have employees. But, there can be some confusion around who is considered an employee vs. a subcontractor, and when your organization needs a workers’ comp policy. So, what is workers’ compensation? It is a system that ensures benefits are paid to workers if they […]
A Guide To Know When You Need D&O Insurance
As a nonprofit leader, you make decisions that keep the organization running. The success or failure lies in your hands. That’s a little dramatic, but it gets you thinking. So, as a Director or Officer, you handle financial and operational decisions all the time. What happens when one of those decisions doesn’t work out the […]
When you need… Non-owned and Hired Auto Coverage
We frequently get asked, “Why does our organization have auto coverage, if we don’t own a vehicle?”. And while it’s correct that the organization may not own any vehicles, this endorsement covers the use of borrowed or rented vehicles in your operations. From time to time, most nonprofit and ministry organizations will use non-owned (borrowed) […]
Free Inspections For All!
All things in life have their Yin and Yang. The automobile is by far no exception; mine’s in the shop right now. The car is considered one of mankind’s greatest inventions, and I agree. Every one of the 30,000 parts it takes to get out of your driveway each morning, were created to work precisely […]
What You Need to Take Ministry Off-Site
Church, it’s where we go on Sunday mornings dressed in our best slacks and dresses. It’s where we go to talk and spend time with our fellow church family. But most importantly it’s where we go to hear and learn the word of God, it’s where we go to praise Him. However, our relationship with […]
Risk Management 101
3 questions: What will you do in a worst-case scenario? Does your team have an evacuation plan in place? Where will you hold services or programs if your facility is not usable? I usually get a shrug of the shoulders when asking these types of questions with clients. It’s not that they don’t care, just […]
5 Reasons Why
Why should you review your organization’s insurance coverage? It takes time, energy, effort, and often times a 3rd party. It’s a pain. I’ll be the first to admit that I’m terrible at looking at my own personal insurance policies. They are all setup on automatic payments and I dodge my agents calls when it comes […]
Happy New Year!
We’ve moved, and other excitement for the new year. The new year brings many things: new resolutions, new people, new journeys, a fresh start. An opportunity to be better than we were last year. To do the things we set out to do, but didn’t quite achieve. Personally, I have many improvements to focus on […]
Spring into Events… Safely
As we’ve officially turned the calendar corner into spring, it’s actually starting to feel a lot more like spring. In a relationship with the season, there is a lot of excitement in the air and on the minds of many of us, myself included. Some of these might be trying to remember to do your […]
A Personal Property Conundrum
My wife and I recently sold the first house we ever bought. After six years, we are packing up and moving on. It wasn’t until I opened the door to my basement storage, that I realized how much “stuff” we had accumulated over the years. Being the type of person that tends to throw things […]