Fiduciary Liability Insurance and ERISA Exposure for Nonprofit Benefit Plans in 2026
Under ERISA, the board and committee members who oversee your 403(b) or health plan are personal fiduciaries — a liability that D and O and EPLI do not answer. Here is how fiduciary liability insurance, the required fidelity bond, and prudent process fit together in 2026.
One Vendor, a Thousand Charities: What the Beacon Breach Teaches Nonprofit Boards
One exposed credential breached 1,000+ charities via the Beacon CRM. What the 2026 vendor-breach wave means for nonprofit boards, contracts, and cyber coverage.
Social Services Professional Liability for Tennessee Nonprofits in 2026
For a nonprofit that delivers services, the deepest exposure is the claim that the service itself caused harm. What social services professional liability covers, how it differs from general liability and abuse coverage, and why the 2026 human services market rewards operational discipline.
Special Events and Liquor Liability Coverage for Nonprofit Fundraisers in 2026
A charity gala with a cash bar sits on a different coverage footing than one that pours for free. This briefing examines the line between host liquor liability and true liquor liability, the general-liability exclusions that surprise event organizers, and what South Carolina’s 2026 statute signals for nonprofits that serve alcohol.
What a PEO Does Not Cover for a Nonprofit Board in 2026
A PEO addresses workers comp and benefits, but not the D&O, EPLI, abuse, and liability coverages most likely to name a director. Why bundled convenience is not advocacy, and what a nonprofit board actually owns.
Hired and Non-Owned Auto Liability for Nonprofit Volunteer Drivers in 2026
A volunteer using a personal car on the mission's behalf can name the nonprofit as a defendant. How Hired and Non-Owned Auto coverage, Business Auto symbols, and driver-screening discipline close the gap in 2026.
The Volunteer File the SAM Underwriter Is Now Reading
The hardest line on most nonprofit insurance programs in 2026 is not the line most boards are watching. Directors and officers gets the headline. Cyber...
The Donor-List Breach Is Now a Regulatory Event
The nonprofit donor list used to be the most jealously guarded document in the building. In 2026 it is the most regulated. Multiple state privacy laws, an...
The Board Minute That Decided the D&O Claim
The nonprofit director who reads a D&O claim file for the first time always asks the same question. Where is the board minute that documents the decision?...
The Unpaid Board Member's $35,000 Problem
Here is a number that should concern every nonprofit board member in America: $35,000. That's the average cost to resolve a directors and officers...
The SAM Coverage Crisis No One Is Solving
The sexual abuse and molestation (SAM) insurance market is broken. Not stressed. Not hardening. Broken.
The Embezzlement Epidemic Hiding in Plain Sight
One-sixth of all occupational fraud cases in the United States involve nonprofit organizations. The median loss is $76,000 — for religious and social...
Your Volunteers Aren't Covered the Way You Think
Most nonprofit leaders believe their volunteers are "covered" by the organization's insurance. It's a reasonable assumption — and it's wrong in at least...
Your Donor Database Is a Breach Waiting to Happen
Your donor management system contains exactly the information identity thieves are looking for: full names, home addresses, email addresses, phone...
Three Years and You're Gone
The Pension Protection Act of 2006 added a provision that most nonprofit leaders have never heard of but should fear: automatic revocation of tax-exempt...
When Insurance Becomes a Discipline
A captive insurance company puts the insured in the driver's seat. That's the standard elevator pitch, and it's true as far as it goes. But it doesn't go...
Good Enough
The insurance industry has become a race to the bottom. Cheaper quotes. Faster binding. Less thinking. The brokers who win are the ones who process the...