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Are We Heading Towards Another Nonprofit Insurance Crisis?
Our story begins in middle of the nation, across the Mississippi River from the famous deserted city of Cahokia, an indigenous civilization. This is a tale of two cities, and of the venerable endeavor of rebuilding cities in the face of hardship. Our p …
A Milestone in Nonprofit Lending
Hello Avocados! We wanted to share this exciting milestone from the Nonprofits Insurance Alliance of California, founding and ongoing sponsor of Blue Avocado. In January 2017, the Nonprofits Insurance Alliance of California (NIAC) reached $2 mil …
How Do You Count Employees . . . to Determine Which Laws Apply?
Dear Rita: We are a small nonprofit that provides summer day camps for youth. We have 6 full-time employees, and hire about 40 or so seasonal workers who staff our summer camps. We also hire a few administrative workers through a temporary agency to he …
Ten Things Boards Do Right (Without Even Realizing It)
No matter what goes wrong in a nonprofit, somehow the board gets blamed. If the executive director embezzled money, people say, “Where was the board?” Why don’t they say: “Executives are always at the root of the problem. Why don’t we just stop having …
Ask Rita: Do We Need Insurance for Our Volunteers?
Dear Rita: I recently read an article that said it was a good idea to have insurance for volunteers. I thought volunteers had immunity in both federal and state laws. Should I be doing something to protect my nonprofit? Signed, Curious in California …
What Are My Nonprofit’s Obligations Under the Affordable Healthcare Act?
Dear Rita: I am the executive director of a nonprofit with 15 employees. We have never been able to afford to provide health insurance benefits for our staff. I’m confused about our obligations under the Affordable Healthcare Act. I heard that em …
Conflict of Interest . . . or Conflict of Loyalty?
"Conflict of loyalty" is a useful concept and term that gives us another dimension to work with than simply conflict of interest:In our legitimate desire to avoid conflicts of interest in nonprofits, we typically make two oddly opposite mista …
When Kids Volunteer: Liability Basics
Whether kids sell cookies or help clean up a park, they are welcome volunteers. Just be sure you know the basics of how to protect them and your organization when it comes to liabilities (at the end of this article is a link to a sample waiver): …
Board Insurance: Do You Really Need It?
We wanted an expert’s view on what nonprofits need to know about Directors & Officers (board) liability insurance, so we asked Susan Bradshaw, VP at the Nonprofits Insurance Alliance Group. (And don’t miss the link to a free booklet on D&O at t …
Wading through the New Family and Medical Leave Act Regulations
New year, new forms to fill out! Though we love that employees can have some flexibility when serious medical and family issues arise, administering the Family and Medical Leave Act (FMLA) can be challenging. Mercifully, Ask Rita offers some guidance o …
