The 2026 Nonprofit Renewal Is Two Markets — and Most Boards Are Reading the Wrong One
The renewal summary will read like a calm market. D&O flat or down, cyber softening. The schedule of endorsements is telling a different story — hardening SAM, umbrella sub-limits, EPLI exposure, and reviver-statute claims emerging years later.
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...