Your current insurance
We review the forms and endorsements to establish what the organization has before seeking its next policy.
San Francisco · Commercial insurance
Business insurance for nonprofits and professional firms.
We help you buy insurance for the people who lead your organization and manage its work. We shop D&O, employment practices, and commercial crime coverage, then explain the terms your board or management needs to weigh.
Organizations represented in our work
Our commercial insurance focus
For nonprofit organizations and professional services.
We build the submission around your governing structure and the work carried out under it. A nonprofit program and a client services firm need different accounts of their responsibilities.
Nonprofit organizations
We broker commercial insurance for nonprofit management and operations, including board liability, employment practices, and protection against specified financial losses.
See how we insure these organizationsProfessional-service organizations
Commercial insurance for the management of a professional firm. We review governance and employment exposures alongside access to company or client money.
See how we insure these organizationsPolicies we review
Cover the decisions and funds you are responsible for.
We compare management, employment, and crime insurance individually, including when they appear in a package. You should know what each part covers and which limits it shares.
Choose a policy to read about
Directors & officers
D&O insurance addresses covered allegations about management decisions. We compare the protection offered to the organization and its leaders.
What we check in the quotes
- People and entities included in the insured definitions
- Protection for the entity and reimbursement of indemnification
- Exclusions for professional services or disputes between insureds
- Prior-acts restrictions and the treatment of defense expenses
A demand challenges the board’s oversight of a restricted fund. The insured definitions and exclusions help determine how the policy treats the named defendants and alleged management act.
Read the full policy guide →Employment practices liability
EPLI can cover allegations such as discrimination or wrongful termination. We review the workforce definitions and exclusions behind each proposal.
What we check in the quotes
- Definitions covering employees, applicants, and other claimants
- Extensions for allegations made by nonemployees
- Wage-and-hour restrictions and any defense provision
- Retained costs, defense arrangements, and reporting requirements
A former employee alleges retaliation after raising a concern about program supervision. Coverage turns on the employment wording and timing of the claim; we review those terms separately from general liability.
Read the full policy guide →Commercial crime
Crime insurance can cover specified losses of money or property. We compare employee theft, fraudulent transfer, and impersonation terms separately.
What we check in the quotes
- Employee-theft terms and the definition of volunteers
- Purchased computer-fraud and funds-transfer agreements
- Social-engineering extensions and required payment checks
- Cover for client property and the loss-discovery period
Someone posing as a vendor asks your organization to send payments to a different bank account. If your organization authorizes the payment, the social-engineering extension and voluntary-transfer restrictions may affect whether the loss is covered.
Read the full policy guide →Let’s work on your organization’s insurance.
Tell us about the next renewal or a requirement you need to meet. We will guide the application and explain the coverage options available.
Insurance for the board agenda
We give you a recommendation you can explain.
We set out the material differences between proposals and explain why we recommend an option. Your board or management can weigh the premium against the protection offered and the costs the organization retains.
Restricted funds and program terms
Grant conditions and restricted funds change what an insurance decision has to protect. We identify the restrictions that affect your programs before terms are compared.
Where the limits are shared
Several coverage parts can draw on one limit, so a single matter may exhaust protection you assumed was separate. We show where that applies in each proposal.
Open questions raised before you decide
Unresolved wording is easier to fix before binding than after. We put the terms still in question in front of you rather than leaving them in the file.
How we handle your insurance
We take the renewal work off your agenda.
We organize the application and manage market follow-up. You confirm the facts about the organization, then choose with the proposals explained.
Understand the organization
We work through your programs or services and what has changed since the last policy. We review the governing structure and responsibilities for staff and funds.
Approach the insurance market
We prepare the submission and seek terms for the account. We handle follow-up questions and check how each quote addresses the work described.
Explain the insurance decision
We compare the proposals with your existing coverage and recommend an option. We explain changes in exclusions or retained costs before you decide.
Details we check
Know who and what the policy covers.
- Insured people and entities
- We check whether the definitions include the organization and the people acting on its behalf.
- Coverage continuity
- We review prior-acts restrictions and reporting dates when comparing the renewal with replacement policies.
- Payment conditions
- We explain verification requirements and limits that could affect cover for a deceptive transfer request.
The complete policy
We read the amendments behind the proposal.
Endorsements can change the cover described in a summary. We examine the full wording and compare it with requirements in funding and client agreements.
Your contractual requirements
We identify where a grant or engagement agreement asks for terms the proposed cover may not provide.
Management insurance answers
Understand the policy before the board approves it.
We explain the distinctions between D&O, employment practices, and crime cover that can be obscured in a combined proposal.
Is employment practices insurance included in a management package?
It may be, but we confirm the coverage parts actually quoted. We check the EPLI limit, retained costs, and reporting conditions, and explain whether it shares a limit with D&O or another part of the package.
Does the insurance include volunteers?
We check volunteers in the definitions of each relevant policy. Crime and liability cover can treat them differently. We describe their roles in the submission and flag where the proposed terms leave them outside a definition.
Will employee-theft insurance cover a fraudulent payment request?
Employee-theft cover alone may not address a payment authorized after deception. We examine social-engineering and transfer-fraud terms, including required verification steps. We explain any separate limit or exclusion affecting that kind of loss.
Yerba Buena
Insurance that follows the program beyond the office.
A San Francisco nonprofit may run a program at another organization’s venue while its board meets remotely. We trace who supervises the activity and controls its spending, then describe those roles in the insurance account. Work away from the usual premises belongs in the review too.
