No two businesses are the same which means that no two clients are the same which means that no two insurance programs should be the same.

I was just at the smAlbany (get it, Albany is Small, smAlbany) Business Expo in glorious Albany, NY. This is the 5th smAlbany Business Expo that has been held by Liberteks.com, a local Computer and IT Firm.

Believe it or not when bad things happen and property gets destroyed or people get hurt or worse yet someone’s feelings get hurt, they are not going to give a crap that you have a philanthropic mission.

If you’ve every been involved at any level with a not-for-profit organization than you are fully aware that Volunteers are the lifeblood of every charitable endeavor.

The New York State Department of Insurance is cracking down on a practice they consider very common among companies in New York, specifically contractors, known as Employee Misclassification.

Does your organization carry any of these programs? Sure it does. Does your organization carry all these programs? There’s a very good chance. Does your organization have Employee Benefits Liability? You Have No Idea!

Stories Make Insurance Real! Otherwise you are just buying a piece of paper and a promise… Stories make Insurance Tangible.

I decided to go right for the rough stuff in my second installment on Not-for-Profit insurance, Sexual Abuse and Molestation Liability.

Think about it, one large uncovered or under-covered loss could put a NFP right out of business. Which is not only a loss for the organization and it’s employees but for the community as well as the service that NFP provided will no longer be available… Now that is a Tragedy…

Insurance is a funny business. People either tolerate it or Hate it. But who Loves insurance? Even most insurance agents don’t Love insurance.