Center AFFILIATES   —   Palmer & Cay         Parker, Smith & Feek, Inc         Momentous Institute         National Indigenous Women         American Mensa Ltd         Cobb B LLC         Arizona Science Center         NEK Insurance, Inc.         Gulf Coast Social Services         Independent Living Services         Alim Corporation         Plan International USA         Austin Community College Center for Community Based & Nonprofit Organizations         Maury Donnelly & Parr Inc         Russell Insurance Group, Inc.         National Wildlife Refuge Association         Pennsylvania Association of Nonprofit Organizations         Girl Scouts of Greater Los Angeles         Lutheran Social Services         Tracy Driscoll Company Inc         YMCA of the USA         Compass Rose Services Inc         Boardman-Hamilton Company         With Everything         GIA Group, LLC         Baker Romero & Associates         Thrive Alabama         Virginia Main Street         Domenick & Associates         Bethany Christian Services         Communities In Schools         Society for the Promotion of Japanese Animation         Marsh & McLennan Agency LLC         Armgroup of Oregon, Inc         Borden-Perlman Insurance Agency, Inc         Crutchfield & Graves Ins.         DeForest Group Inc         Eastern Insurance Group LLC         Eaton-Provident Group, LLC         Institute of Food Technologists         Eichlitz, Dennis, Wray & West         Hub International Ins. Svcs.         Illinois Select Risk LLC         Special Olympics Florida         Keenan & Suggs Insurance, Inc.         Charity First Insurance Services, Inc.         Lebaum Company, Inc.         Marshall & Sterling Inc         Morris & Garritano Ins Svcs         Peliton Insurance         Care Net         ANCOR (American Network of Community Options and Resources)         Children’s Institute, Inc.         People’s United Insurance Agency Inc         Professional Insurance Associates Inc         Maine Association of Nonprofits         Robbins & Assoc Ins Agncy Inc         Summers, Thompson, Lowry Inc         The CIMA Companies, Inc.         Wagner Agency Incorporated         Foundation for Jewish Philanthropies         Whitfield’s United Insurance         Brown & Brown Ins Svc of CA         United Valley Insurance Services         George Petersen Insurance Agency Inc         The Insurance Board         Farallone Pacific Ins. Svcs         PAR         Hillel: The Foundation for Jewish Campus Life         Non Profit Risk Services, Inc         Wells Fargo Ins Svcs USA Inc         Lobo Development Corporation         New Castle Insurance Limited         Robbins Insurance Agency Inc         Arroyo Insurance Services         Early, Cassidy & Schilling Inc         KR Insurance Solutions         Council Services Plus, Inc.         Rancho Mesa Insurance Services, Inc         Gulf Coast Community Foundation         Renaissance Alliance Ins Svc         National MS Society         Associated Ins. Brokers Inc         PSA Insurance & Financial Services         Community Action Partnership         The Flea Theater         Guided Discoveries, Inc         Der Manouel Insurance Group         United Valley Insurance Services, Inc.         Hylant Group, Inc.         Lighthouse Insurance Group, Inc.         Brownrigg Companies LTD         Hub International Ins. Svcs         Ability Beyond         De Palma Insurance Agency, Inc.         TechImpact         Charles L. Crane Agency         Goodwill Industries International         Geisen Insurance Brokers, Inc.         The Hays Group, Inc         Riggs, Counselman, Michaels & Downes         Ahmann & Martin         Kibble & Prentice Holding Co.         Wells Fargo Insurance Services USA, Inc.         Maine Commission for Community Service         Transitional Services, Inc.         Parenting Resource Center Inc.         Waltz Sheridan Crawford Incorporated         J.D. Fulwiler & Co. Insurance, Inc.         UUSC         Starkweather and Shepley Insu         Michigan Nonprofit Association         Robert G. McGraw Insurance Agency, Inc.         Brown & Brown of New York, Inc.         Providence Academy         H.U Dove and Company Inc         RSC Insurance Brokerage, Inc         Assured Partners of Colorado, LLC         Willhite & Associates, LLC         Career Opportunities Development, Inc.         Ministry Pacific Financial         Conover Insurance Services, LLC         DeMolay         HAI Group         Alliance Marketing & Ins Svcs         Cragin & Pike Insurance         TrueNorth Companies, L.C.         SecureRisk         United States Breastfeeding Committee, Inc.         Cherry Creek Insurance Agency, Inc         Redish Insurance Group, Inc.         Alaska USA Insurance Brokers         N.C. Center for Nonprofits         Heffernan Insurance Brokers         Brown & Brown Insurance of Georgia, Inc.         ISU Insurance Services of San Francisco         James C Jenkins Insurance Service Inc         Bolton & Company         Public Health Management Corporation         Virginia Beach Community Development Corporation         Southwest Key Programs         Gallagher SKS         Charles W Merriam & Son Inc         Girl Scouts of Greater Atlanta, Inc.         Loudoun Wildlife Conservancy         Florida Nonprofit Alliance         Arthur J. Gallagher & Co. And our Group of Companies         Association for Energy Affordability, Inc.         USI Insurance Services, LLC - 570623 -         Hamby and Aloisio Inc.         Dempsey and Siders         Council on Accreditation         Ten Eyck Group         American Jewish World Service         Insurance One Agency, LC.         Frisco Family Services         Arkansas Nonprofit Alliance         BB&T Insurance Services, Inc.         Calender-Robinson Company Inc         The Glienke Agency, LLC         Gencorp Insurance Group, Inc.         Mesirow Insurance Services, Inc         Bollinger Inc         Lindsay Insurance Group, Inc.         Mennonite Mutual Insurance Company         The Ford Family Foundation         LPGA Foundation, Inc.         Chapman Insurance         Barney & Barney         Shoff Darby Companies, Inc.         Hobart Institute of Welding Technology         Land Trust Alliance         Bell-Anderson Insurance, Inc.         John L. Kirby & Associates, Inc.         US Olympic Committee         Field Eddy, Inc.         Adoption & Beyond, Inc         The Association of Junior Leagues International, Inc.         The Arc of the United States         Emery & Webb, Inc.         Center for Nonprofit Stewardship         Adler’s Insurance Agency         National Association of Free & Charitable Clinics         The Nature Conservancy                        


Covered: An Insurance Handbook For Nonprofits

Dedicated nonprofit leaders work hard to advance and protect the missions they serve. Part of every leader's responsibility is understanding the risks that threaten success and the role of insurance in a risk management program. If you've put off purchasing coverage, or worse–reading the policies you've already purchased—this Handbook is a must-read. In Covered you'll take a behind the scenes journey into the insurance industry and learn what you need to know to make wise risk financing choices for your nonprofit.

Order Covered today, if:

  • you have questions about what types of insurance your nonprofit should buy
  • you want practical tips for spending insurance dollars wisely
  • you're curious about what the coverages you've already purchased actually cover
  • you want to make sure that your insurable risks are ‘covered.'

Join the authors of Covered for a guided tour into unfamiliar territory. We're certain you'll find peace of mind and valuable new knowledge you can put to use in short order.

June 2016 / 181 pages / ISBN 978-1-893210-32-5 / Member price: $30 / Order Covered: An Insurance Handbook For Nonprofits

Bulk orders of Covered are available. To request a quote for a bulk order, contact Kay Nakamura at 703.777.3504 or

The Nitty Gritty of a Risk Committee

By Melanie Lockwood Herman

“Let’s form a committee!” is the frequent battle cry of nonprofit leaders facing a complex problem for which there are no obvious, immediate or cheap solutions. When more than one brain is needed to ponder a perplexing problem, forming a committee seems to be a good first step. But are risk committees worth the time and nurturing they require? At the Nonprofit Risk Management Center we answer this question with a resounding, “Yes!” That’s not to say that we haven’t heard about some ineffective and nearly useless committees in our many years as an advisor to nonprofits. But the concept is sound and with a little finesse, every nonprofit can recruit and deploy a committee that will strengthen, support and help sustain a strong and effective risk management program. more…

Mission Statement


Our mission is to help nonprofit leaders become risk aware. We help leaders identify and appreciate critical risks and take action. We offer RISK HELP™, Web tools, in-person and virtual training, and custom consulting solutions. We provide reliable counsel on risk issues ranging from employment practices, to risk oversight and governance, enterprise risk management, fraud prevention, financial risk management, and youth protection. The Center has a 20-year history of advising best-in-class nonprofits and delivering practical resources to help nonprofits pursue their missions. The Nonprofit Risk Management Center is a 501(c)(3) nonprofit organization led by a volunteer Board of Directors.

How to be the World’s Smartest Risk Manager

By Melanie Lockwood Herman

I’ve just finished the National Geographic book, “How to Be the World’s Smartest Traveler.” Who doesn’t want to be the world’s “smartest” anything?! As a big fan of the expression, “don’t believe everything you read,” I had no expectation of becoming the world’s smartest traveler when I cracked the cover of this book. But I figured that the chance of any truth in the subtitle—“and save time, money and hassle”—made this a wise purchase.

Before I test my new travel smarts at Dulles Airport, I want to take a few minutes to interpret some of the book’s great advice for readers who aspire to be the best possible risk champion in their organization. more…

Employee or Volunteer: What’s the Difference?

By Melanie Lockwood Herman

Nonprofit organizations frequently depend on the service and commitment of volunteers as well as the labor of employees. The skills and talents of both types of workers bring nonprofit missions to life. At first glance, the simple difference between these two types of workers is that employees get paid and volunteers don’t. Yet many nonprofit leaders have discovered that there is more to distinguishing between employees and volunteers than whether an individual receives a regular paycheck. This article explores two subtopics under the umbrella issue of employee versus volunteer status: whether employees may also volunteer, and the consequences of compensating volunteers.

When Employees Also Volunteer

May your nonprofit’s paid employees also serve as unpaid volunteers? Each year the Center receives numerous calls and email messages from leaders who tell us that their dedicated, paid staff are eager to volunteer in the evenings and on weekends. In some cases these willing staff volunteer to work “off the clock,” while in other instances they sign up or formally apply for volunteer roles, such as volunteer ticket takers, coaches or special event staff, or as volunteer mentors in the nonprofit’s mentoring program. But we also receive calls from employees who want to know whether they can be forced to “volunteer” and on occasion from employees who are indignant after having been told that they cannot volunteer their services in the agency where they are employed. more…

Risk Management Webinars: Affordable and Convenient and for “Members” Only

Webinars offer high-quality, affordable and convenient training delivered to your desktop. Participate in “live” programs or listen to recorded programs at your convenience. You’ll receive expert instruction and helpful handout materials. If you are an Affiliate Member - sign up for a webinar and you’ll receive a confirmation email with a link where you can download the handout materials and view the archived recording as many times as you wish. If you are not an Affiliate Member, become one by purchasing an annual subscription here.

Disaster Preparedness Resources


New! Monthly, live webinars for Affiliate Members Join us each month to explore topical risk issues. Unavailable on the date of the live program? Affiliate Members enjoy exclusive, complimentary access to webinar recordings and handouts.

Affiliates can register for the next webinar by emailing or by calling 703-777-8504.