Understanding Risks, Minimizing Exposures, Lowering Insurance Premiums
BCG Advisors is a leading brokerage firm specializing in insuring nonprofit organizations.

Properly insuring non-profit organizations requires an extensive understanding of the potential risks non-profits face coupled with providing knowledge based risk management solutions to minimize these liabilities. This all leads to lower insurance premiums. We have the knowledge, expertise and risk management solutions to help non-profit organizations lower their claims exposures, minimize liability and risk thus lowering insurance premiums.

BCG Advisors has compiled an extensive library of online resources to help non-profit organizations identify and understand their risks, minimize their potential liabilities and properly insure against catastrophic losses.

Nonprofit Organizations Services Portfolio(Click to Download)

This valuable packet contains a handpicked selection of our unique loss control, risk management and safety resources designed specifically for nonprofit organizations.

Nonprofit Organizations Services Portfolio

 

Nonprofit Volunteer Safety Manual (Click to Download)

Provides your nonprofit organization’s volunteers with practical information about his/her responsibilities, and outlines your safety policies and expectations.

Nonprofit Safety Manual

 

Inadequate Risk Management

The majority of U.S. nonprofit organizations are ill-prepared to identify and manage risks. Learn the three biggest threats to nonprofit organizations and how to reduce them with this Nonprofit and Faith-based Risk Insights.

Inadequate Risk Management

 

Risk Management Tutorial for Nonprofit Managers – Nonprofitrisk.org

This tutorial is based on Mission Accomplished, the best-selling book and companion workbook published by the Nonprofit Risk Management Center.
Completing this risk management tutorial is an easy way to begin integrating the principles of risk management into the day-to-day operations of your nonprofit. (Mission Accomplished has been replaced by Enlightened Risk Taking: A Guide to Strategic Risk Management for Nonprofits, a book and companion workbook.)

Risk Management Tutorial for Nonprofit Managers

 

My Risk Management Policies, Version 2.0 – Nonprofitrisk.org

This tool helps you create custom risk policies for your organization in a matter of minutes. Need well-written policies? This cloud app makes policy drafting easy.

My Risk Management Policies, Version 2.0

 

Practical Risk Management Resources Webinar – Nonprofitrisk.org

Practical Risk Management Resources Webinar

 

Here are 10 FREE fact sheets on the topic of crisis management– Nonprofitrisk.org

We encourage you to print them. Email them. Share them with your team. The best time to plan how to respond to a crisis is before it happens!

10 FREE fact sheets on the topic of Crisis Management

 

State Liability Laws for Charitable Organizations and Volunteers – Nonprofitrisk.org

Good Samaritan Laws. Volunteer Protection. Volunteer Immunity. Liability Limitation. Shield Laws. Charitable Immunity. These terms, which have significant, as well as subtle distinctions, have been used to describe laws that protect people and organizations in the nonprofit sector from claims, lawsuits and allegations of wrongdoing. Beginning with an overview of the liability environment, this fourth edition of State Liability Laws for Charitable Organizations and Volunteers provides a state-by-state review of the evolving landscape of charitable immunity and volunteer protection laws.
This publication has evolved over more than a decade. The initial research was conducted in the late 1980s with the first printed version available in 1990. We are pleased to present this fourth edition as a free, online publication.

State Liability Laws for Charitable Organizations and Volunteers

 

Accident Preparation and Response Tutorial – Nonprofitrisk.org

This tutorial will help you to prepare for a variety of workplace-related accidents and to respond to them appropriately

Accident Preparation and Response Tutorial

 

Workplace Safety Is No Accident, An Employer’s Online Toolkit to Protect Employees and Volunteers – Nonprofitrisk.org

Find help with a particular area, such as ladders, transportation or food service. Set up a workplace safety program. Print out sample forms. Lots of links to detailed information on special topics, such as blood borne pathogens, AEDs, and workplace stress.

An Employer’s Online Toolkit to Protect Employees and Volunteers

 

Business Continuity Planning – Nonprofitrisk.org

This online course is designed to help you and your organization develop, implement, and test a workable plan to prevent the interruption of mission-critical services, even in the event of a major business interruption.

Business Continuity Planning

 

Volunteer Risk Management – Nonprofitrisk.org

Every volunteer program, from the smallest to the largest, can take steps to avoid surprise when it comes to providing a meaningful experience for its volunteers.

Volunteer Risk Management

 

Risk Management Essentials – Nonprofitrisk.org

Risk Management Essentials is the Nonprofit Risk Management Center’s 16-page newsletter, distributed three times a year to thousands of nonprofits. Each issue covers a selection of issues, showcases the Center’s training and workshops, and/or highlights new publications offering risk management advice from a nonprofit perspective. When you sign up to receive our weekly RISK eNews, you will also receive an electronic copy of the Risk Management Essentials three times per year.

Risk Management Essentials Risk Management Articles

 

RISK eNews– Nonprofitrisk.org

Timely risk tips, tools and resources… so you can focus on your nonprofit’s mission

RISK eNews

 

Protection for Nonprofit Organizations Board of Directors

This document outlines the risks individuals face while sitting on a nonprofit Board of Directors, the responsibilities they hold and the insurance protections available to combat the outlined risks.
Premises Liability Risks
This article will help religious organizations understand the steps to take to make sure everyone stays safe while inside your facility, both on a day-to-day basis and in emergency situations.

Liabilities for the Board of Directors

 

Directors’ and Officers’ Liability for Nonprofit Organizations

Nonprofit organizations are just as much at risk as for-profit companies for directors and officers (D&O) and employment practices liability (EPL) claims. Learn more about the unique exposures of nonprofits and how to mitigate those risks. This article is part of The Management File series

Directors and Officers Liability for Nonprofit Organizations

 

The Cost Drivers of Directors and Officers Insurance

What affects the cost of Directors and Officers (D&O) insurance? Recognizing the cost drivers can help you decide what coverage your company needs to mitigate its unique risks. This article is part of The Management File series.

The Cost Drivers of Directors and Officers Insurance

 

Directors’ and Officers’ Liability Insurance

Focuses on the benefits of carrying directors’ and officers’ (D&O) liability coverage

Directors and Officers Liability Insurance

 

Know the Common Directors and Officers Insurance Exclusions

Do you know the extent of your Directors and Officers (D&O) insurance coverage? Find out about common exclusions in D&O policies to ensure you have the coverage you need. This article is part of The Management File series.

Know the Common Directors and Officers Insurance Exclusions

 

Employment Practice Liability and Donated Funds

A helpful look into protecting donated funds by preventing employment practice liability claims in the nonprofit sector.

Employment Practice Liability and Donated Funds

 

Nonprofit Audit Committees

This document explains why it is crucial for nonprofits to have an audit committee. It also offers insights into the responsibilities of these committees and the insurance options available to combat financial loss in addition to having an audit committee in place

Nonprofit Organizations and Finances The Importance of an Audit Committee

 

The Volunteer Protection Act

This provides an overview of the Volunteer Protection Act (VPA) and how that affects your non-profit organization

The Volunteer Protection Act

 

Managing Volunteers in Your Organization

This informational Risk Insights outlines the various liabilities of having volunteers work for your nonprofit organization, and suggestions for how to train these individuals to reduce your risks.

Managing Volunteers in Your Organization

 

The Risk of Violence While Helping Others

Use these safety talking points to remind your nonprofit employees of the risk of workplace violence and what to do if it occurs.

Nonprofit SM The Risk of Violence While Helping Others

 

Hazard Communication Keeps You Safe

Educate employees about the hazard communication program and ways to stay safe when working with chemicals.

Hazard Communication Keeps You Safe

 

Leading By Example Around New Employees

Help your volunteers or employees lead by example around new employees with these safety talking points.

Nonprofit Safety Matters Leading By Example Around New Employees

 

Fall Protection Safety

Minimize your staff’s exposure to falls with these safety tips focused on prevention.

Nonprofit and Faith-based Safety Matters Fall Protection Safety

 

Screening Applicants Using Background Checks

Learn how to effectively use background checks as a risk management tool for potential employees or volunteers.

Screening Applicants Using Background Checks

 

Safe Steps for Accident Prevention

Help staff and volunteers avoid on-the-job accidents with this flyer that focuses on safe practices and precautions.

Nonprofit Safety Matters Safe Steps for Accident Prevention

 

Watch Your Step to Stay Safe on the Job

These safety meeting talking points allow you to discuss with your staff ways to minimize the risk of accidents when there are wet conditions due to wet weather, spills or other sources

Nonprofit Safety Matters Watch Your Step to Stay Safe on the Job

 

New Jersey Minimum Wage Laws

This Employment Law Summary provides an overview of minimum wage laws in New Jersey.

New Jersey Minimum Wage Laws