COVID-19 Safety Resources for the Nonprofit Sector

The coronavirus pandemic has not stopped the need for nonprofit services. Although some nonprofit organizations have been forced to suspend operations to comply with stay-at-home orders, others provide essential services that are critically needed right now. For these organizations, there are many new challenges.
Determining What’s Essential
Under state-issued stay-at-home orders, people are only supposed to leave their homes for essential activities. Whether a nonprofit is considered essential will depend on the services it provides.
In California, the list of essential workers is long, and it includes many workers in the healthcare sector. Caregivers, behavioral health workers, and workers at blood banks are all among those labeled essential. Food banks are also labeled essential – and they may be more essential than ever. Food bank demand has surged as people struggle with school closures and unemployment because of coronavirus.
Nonprofit organizations should check with their state, county, and city to determine whether they are considered essential under relevant stay-at-home orders.
Volunteer and Funding Shortages
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Heffernan Insurance | Website
M. Brant Watson
Senior Vice President
Heffernan Insurance Broker
Office 800-234-6787

Your nonprofit has an important mission to carry out.

Making a Difference

Your nonprofit has an important mission to carry out. Every dollar you spend either supports or depletes your ability to serve. Most organizations work with a limited budget, but all face exposures and risk management challenges that need to be met. In short, you need a broker experienced in nonprofit insurance with your mission in mind.
Heffernan’s Nonprofit Practice cares about your mission and understands your unique insurance needs. Serving more than 4,000 nonprofit clients nationwide, Nonprofits Insurance CHOICE is a division of Heffernan Insurance Brokers offering exclusive products and services not available through any other agency. Our alliances with nonprofit-focused insurers are among the best in the industry, ensuring you have access to the best programs and the most competitive prices.
Heffernan’s reputation and success was built through niche practice business such as nonprofit, construction, healthcare, transportation, hospitality, food industry, real estate and technology. With ten branch offices coast-to-coast and approximately 450 staff, Heffernan’s reach spans virtually every industry.
M. Brant Watson| (925) 330-1151 |E-mail | Website

Beware of Nonprofit Board and Reputation Exposures

Nonprofits can be sued over a wide range of claims, just like their for-profit counterparts. In fact, Insurance Journal reports that directors and officers liability claims occur twice as often in nonprofits compared to private companies.

The increase in lawsuits could stem from a number of possible issues.  Nonprofits may be so focused on their cause that they neglect other issues.
Nonprofits may incorrectly believe their nonprofit status makes them an unlikely target.
Individuals serving on nonprofits may be busy with other duties, and they may be working outside their normal sphere.
Donors often have high expectations for how funds are managed.
Nonprofits often work with vulnerable populations.
Volunteers may not be screened properly.
Regardless of the cause, nonprofits get sued – a lot. When this happens, the nonprofit’s financial stability and reputation can be put in jeopardy.
Nonprofits depend on their reputation.
Reputation is important to all corporations, but this is especially true in the case of nonprofits. As Risk & Insurance explains, nonprofits depend on their reputations to secure grants and donations.

Many things can damage a nonprofit’s reputation, from claims of mismanaged funds to inappropriate actions of volunteers. Some threats may come from outside. For example, cyber attacks that reveal personal data could damage a nonprofit’s reputation. Fundraising fraud, described in Risk & Insurance as people who impersonate nonprofits to elicit and steal donations, is another worrisome threat.

Contact me today to learn more about the best possible insurance for your needs.

Best Regards,

M. Brant Watson
Senior VP
D: 925.295.2506
C: 925.330.1151

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