Nonprofits insurance and risk advisory

Protecting nonprofits and their missions.

Guarding your nonprofit against loss is paramount to your mission and success. We realize that each nonprofit we work with is unique, with their own specific risks and coverage needs.

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Coverage tailored to your needs.

You need insurance that is tailored for your nonprofit; whether you work with children, animals, vulnerable populations, rely on volunteers, host fundraising events, or build homes. Let us leverage our relationships with the top nonprofit carriers to find you leading industry coverage including:

Directors' and Officers' Liability
Employment Practices Liability
Fiduciary Liability
Professional Liability
Property
General Liability
Commercial Auto
Umbrella
Workers' Compensation
Disability
Special Events
Crime
Inland Marine
Accident, and more

We also provide unmatched services, including:

Certificates of Insurance
Binders
Posting Notices
Summary of Insurance
Endorsements
Audits
Policy Information
Invoice questions
Applications
Quotes
Help with "what if" questions

Not all directors' & officers' policies are the same!

Does your policy provide Unlimited Defense Costs? If not, legal defense costs will erode your limits. 1st Dollar Legal Defense? Without this, your organization may be responsible for the retention limit, which could be thousands of dollars!

Contact the team at Marshall & Sterling to learn more about the different D&O options out there and what makes sense for your nonprofit.

Does your nonprofit need group benefits coverage & support?

Marshall & Sterling provides a wealth of group benefits programs, healthcare coverages, and consulting services for our nonprofit business clients. We represent many of the nation’s largest healthcare providers, with the ability to tailor a benefit solution specifically designed for your business, including:

Medical, Dental, Life & Vision
Prescription Drug Plans
Short & Long-Term Disability
NY Statutory Disability
COBRA Administration
Web-Based Enrollment and Tools
Health Advocacy Services
Centralized Program Administration

To learn more about our group benefits options

Tips from our experts

Employment Practice Liability and Donated Funds

No employer wants to believe that their employees or volunteers would take legal action against them, especially in a nonprofit organization. Unfortunately, over the past decade, employment practice liability (EPL) has become one of the largest risks faced by organizations in both the nonprofit and for-profit sectors. According to the most recent U.S.

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Preventing Claims While Disciplining & Terminating Employees

Disciplining and terminating employees is an unpleasant task that brings high-risk exposures for employers. If you’re not careful, disciplining or terminating a difficult employee could end up costing you. Employee lawsuits can be expensive—even catastrophic for smaller firms—to litigate. They are also time-consuming and emotionally draining, and they can create tension in your workplace.

What to Do in the Event of an Active Shooter

Workplace violence may be a rare occurrence, but you should never underestimate the importance of being prepared in the event that your workplace is targeted by an active shooter. An active shooter is an individual who is engaged in killing or attempting to kill people in a confined and populated area.