Understanding Liability Within Nonprofits

Forming a nonprofit organization is an adventure that will reap many rewards. However, just like any business, a nonprofit organization always faces certain risks. During the formation phase, it’s important to understand the various liabilities your new organization could come up against.


Volunteers are a necessity for a nonprofit, but unfortunately, they are also a liability. Depending on the nature of volunteer tasks, volunteers could become injured. They could also steal from your organization.


Your organization’s directors and officers could be sued for a host of allegations, including wrongful acts, discrimination and mismanagement of funds. Your webpage poses the risk of copyright and trademark infringement.


Many nonprofits must regularly host events to get the attention of potential donors. Events pose a liability risk to the nonprofit because attendees could be harmed.

How to Prepare

During the planning phase, discuss these risks and what you can do to minimize them.

  • If you’re going to utilize volunteers, consider implementing the use of a waiver to protect against liability in the case of injury.
  • Purchase nonprofit general liability insurance to protect your organization against damage and injury.
  • Plan for how you will account for and publish funds raised and how they are spent.
  • Budget for event insurance when your nonprofit has fundraisers or awareness campaigns.

Protecting your nonprofit is one of the most important steps you can take to ensure a successful future.

3 Reasons To Redesign Your Insurance Website

Insurance Website

Your website may be the first contact your potential customers have with your insurance company. If site visits are not converting to sales, it may mean that your website is making a poor impression, and it may be time for a redesign. Here are some indications that your current design has outlived its usefulness.

1. The Design Hurts Your Credibility

When it comes to convincing customers that your insurance company is trustworthy, what you have to say on your website may be less important than its overall design. As Neilson Marketing Services in Laguna Hills, CA reports, the design of your website is what 75% of your customers use to gauge your credibility.

2. The Search Engine Rankings Are Poor

Constant updates to the algorithms used by Google and other search engines mean that your optimization strategy must constantly adapt as well. A redesign of your insurance website can involve analysis of current search trends and modification of your SEO methods.

3. The Site Is Not Compatible With Mobile Devices

Gone are the days when surfing the web required a desktop computer or even a laptop. Today, most people use mobile devices such as smartphones or tablets to browse the web on a regular basis. If your website is not compatible with these devices, your customers are unlikely to try to access it again.

In nature, those that cannot adapt do not survive. The same principle holds true for your insurance company website.

Precautionary Measures for Intermediate Care Facilities Due to COVID-19

Intermediate Care Facilities (ICFs) are at a higher risk of COVID-19 exposure due to shared living spaces. Daily activities often occur in community areas, and some people share bedrooms. The need for protective health measures during the pandemic is vital to the safety and well-being of residents and staff.

Staying Ahead of the Curve

Protecting personal safety is the most critical task for ICFs. Since there is limited ability to isolate residents, minimizing the spread of infection is the best practice. COVID-19 and intermediate care require heightened screening techniques to ensure the transmission is not taking place between residents, staff, and visitors. Basic precautionary measures can be highly effective:

  • Hand washing regularly
  • Cleaning and sanitizing all surfaces
  • Using Personal Protective Equipment (PPE) at all times
  • Monitoring temperatures
  • Communicating all changes in physical health
  • Practicing safe distancing
  • Scheduling use of common areas

It is important for intermediate care facilities to consistently reevaluate protocols. Each care facility has to measure standards in relation to their ability to reduce exposures. Residents should be informed of safety techniques with visually helpful posters and physical demonstrations. Congregate living and vulnerable populations necessitate all persons to be vigilant in safeguarding each other. Shared protective measures help to assure ICFs are limiting risk at this critical time.

3 Hacks to Change Spring Cleaning Forever

BlueSky Insurance

After another winter has come and gone, many people start turning their house upside down to put it back together in the best form and fashion, all in the name of spring cleaning. Even if you think you’ve mastered the process, here are some life-changing cleaning hacks to try.


Because of its acidity, lemon is a great stain fighter. Whether you use it on the inside of your microwave, on stainless steel fixtures, or ceramic bathroom tiles, lemon will get rid of scum, streaks, and smells all over the house. When you’ve used all the juice of a lemon, cut it into quarters and toss it in your garbage disposal for a fresh citrusy scent from that hard to clean abyss.

Steam Cleaner

A steam cleaner is a must for working smarter rather than harder. You can use them to mop floors, remove stubborn grime from appliances like your oven, and make grout look like new. Because of the high temperature of the water, a steam cleaner also safely disinfects the cleaned areas without harmful chemicals.

Car Wax

It may sound odd, but car wax can save you from the frustration of watching things get dirty right after you clean them. Buff it onto your stove, fridge, and any stainless steel appliances and fixtures to banish smudges and create an easier cleanup process after every use.

Once you’ve got your home in order, the experts at BlueSky Insurance recommend reviewing the insurance policy on your home to make sure your coverage is adequate to meet your most important needs.

Ideas for Fall Programs at the Library

Regan Insurance Agency

Library programming specialists know that once the school year ends, it’s time to start planning for the next one. This lull before the storm of summer reading programs is a great time to take stock of what worked and didn’t work last year. Here are some fresh ideas for back to school library programs to keeps kids coming after summer is over.

  1. Battle of the Books

Which book would win? On a large wall, create a display similar to a tournament bracket. Pair up familiar titles against each other, and have young patrons vote for one face-off per week.

  1. After School Homework Help

If your library has a literacy program, why not enlist volunteers to help children with their homework? This is a wonderful way to give back to the community, especially if your library is located in an area with disadvantaged children.

  1. Gaming Club

Hosting a gaming club once per week is an easy way to draw in young people. Simply provide them a designated room with a table, chairs, and a variety of cards and board games.

These ideas are just the tip of the iceberg when it comes to potential programs. There are many online resources to peruse for inspiration; for example, Regan Insurance Agency has some other great suggestions.

Legal Protection for Your Industrial Laundry Business

Irving Weber Associates

Laundromats and other essential businesses that provide laundry services to individuals and companies alike have unique needs. While the industrial laundry industry has come a long way from its roots and diversified a lot, one thing has held true. Coin-operated self-serve businesses continue to be a popular choice for most patrons who don’t have laundry facilities in their homes or apartments. The novel business model provides for access to the facilities at almost any time, and many companies provide late night and early morning hours to accommodate off-shift workers. Others are open 24 hours a day.

Insurance for Laundry Businesses

Finding the right insurance for your industrial laundry is a matter of finding the industry professionals who understand your company, as well as how it differs from those who occupy other niches in the laundry industry. Professionals at firms like Irving Weber Associates, Inc. provide a variety of resources showing they understand the industry as it is, as well as its history. With dedicated programs like coin-op advantage insurance designed around self-serve laundry businesses, their expertise goes to work every day to make sure customers have everything they need to manage the risks inherent in doing business. When your insurance covers everything you need it to, it’s a lot easier to focus on your core business, and that makes it easier to succeed.

Start Your Tow Truck Business Today with These Items

Truck Business

Starting a tow truck company is a great option for budding entrepreneurs. There are a few things tow truck drivers must have to operate the business. Understanding things like towing insurance requirements can get your business started on the right foot.


Truck drivers in most states need a commercial driver’s license to operate a tow truck. Each state has its own requirements for obtaining a CDL. Check with the local municipal government to see what you need and how to apply for the license. You may need to do this step prior to buying a truck.


All small businesses benefit from a business plan. This plan can start off as a few pages and grow through the years. Include the name of the business, financing options, licensing requirements, growth projections, and marketing strategy in the business plan. As the business grows, there may be additional items to include to meet the next five-year plan.


As seen on https://www.byrnesagency.com/, tow trucks need more than a standard auto insurance policy to operate. Businesses generally need more insurance coverage than regular drivers such as on-hook towing insurance.

Meeting towing insurance requirements helps you be ready to buy that first tow truck and start working. As your business grows, you may need additional requirements, especially when you hire your first employees.

What Risks Does Supermarket Insurance Cover?

Irving Weber Associates, Inc.

Insurance policies are helpful to large-scale businesses, such as supermarkets. The policies allow the supermarket owners to operate smoothly, knowing that their risks are covered. Here are the main risks that insurance programs for supermarkets cover.

Food Spoilage

Many supermarkets handle fresh food products, which spoil quickly after staying in the stores for an extended period. Supermarket insurance offers protection against the losses which happen as a result of some types of spoilage. The loss, however, should only occur as a result of weather-related changes or natural calamities.

Equipment Damage

A single equipment breakdown can lead to substantial losses in business returns. The breakdown can also injure employees and other parties. Supermarket insurance coverage helps the business owner to repair or purchase other tools within the shortest time possible.


Theft is a common risk in many retail stores. It can happen anytime, especially when a supermarket lacks high-tech equipment for monitoring and protecting the retail store. Luckily, Irving Weber Associates, Inc. confirms that supermarket insurance coverage helps the retail owner to recover losses that arise as a result of theft.

There are many insurance programs for supermarkets, but the above types of coverage are usually included in a policy. Their primary purpose is to help the business to cover the losses caused by food spoilage, theft, or equipment breakdown.

Managing Excavation Risks To Reduce Cave-In Fatalities

Excavation Risks

Cave-ins are the leading cause of fatalities during excavation projects, accounting for three out of four worksite deaths each year. You can take several steps to manage your risk from accidents and injuries related to cave-ins.

Follow Safety Procedures

OSHA has established the following guidelines to improve excavation safety (source: www.sboneinsurance.com/) for trenches deeper than five feet:

  • Ensure that sloping, shoring, shielding, and protective systems are in place.
  • Designate a competent person to supervise the excavation site.
  • Never work in a trench that has water entering it.
  • Avoid raised loads over trenches when workers are inside.
  • Provide a proper and safe means of access and egress.
  • Always know the location and depth of underground utilities.
  • Clearly mark the perimeter of excavation sites.

Maintain Necessary Coverage

Most excavation cave-in fatalities and accidents can be avoided if you follow proper OSHA designated safety procedures. But they can still happen.

The proper insurance coverage can help you be prepared in case of a cave-in on your job site. Workers’ compensation and general liability plans should always be in place if your company is providing construction services.

Manage Risks To Limit Your Liability

By developing a solid risk management plan and obtaining the appropriate coverage, you can limit your liability in the event of an excavation accident or cave-in.

What Qualifies for Specialized Insurance Coverage?

Program Business

Some items are easier to replace than others. That’s where specialty insurance comes in. As explained by Program Business, specialized insurance coverage is supplemental to general insurance, and it’s used for the protection of unique items possessed by an individual or business.

Examples of Items Covered by Specialty Insurance

Investing in specialized insurance coverage provides multiple benefits in case of unpredictable circumstances. Some of the items that qualify for specialized insurance coverage include the following:

  • Classic cars: It takes time and effort to restore classic vehicles, so it’s important for those vehicles to have adequate protection.
  • RVs, motorcycles, and ATVs: Protection on the road is a must for avid travelers and weekend warriors alike.
  • Rental or high-value homes: Renting property to strangers comes with a high level of risk. Added protection can help cover any damages wrought by unexpected accidents.
  • Specific elements of a business that may not be covered under a general insurance plan: These components may include items such as neon signs or electronic equipment.

One-of-a-kind items often have special meaning to their owners. After unforeseen damage or the devastation of a natural disaster, finding out these items are not protected may only make the pain more difficult. Investing in specialized insurance coverage is a great way to protect yourself against the loss of these family heirlooms, collector’s items, or vital pieces of your business.