You paid your insurance premium. The policy year ended. Maybe you even renewed. Then a few weeks or months later, another bill shows up. $8,000 due. Wait. What? You already paid for the insurance. Where did another $8,000 come from?…
Most contractors I talk to worry about the obvious stuff. Someone stealing a trailer full of tools. A storm shutting down a job. A customer refusing to pay. Materials showing up late and throwing an entire project off schedule. Those…
Most nonprofit leaders spend their days thinking about how to serve more people, raise more donations, and stretch every dollar a little further. Cybercriminals know that. And that’s exactly why nonprofits have become one of their favorite targets. Here’s a…
Water damage is one of the most common reasons homeowners file insurance claims. It’s also one of the most misunderstood. We’ve had conversations with homeowners who were shocked to learn that the water damage they assumed was covered… wasn’t. Others…
Planning a fundraiser takes months. You recruit volunteers, line up sponsors, reserve the venue, organize vendors, promote the event, and hope for a great turnout. There’s a lot riding on one day. But here’s a question many nonprofit leaders don’t…
When most people join the board of a nonprofit, they’re thinking about making a difference—not defending themselves in court. Maybe you’re passionate about the organization’s mission. Maybe you want to give back to your community or use your experience to…
Running a nonprofit means wearing a lot of hats. One minute you’re planning a fundraiser. The next you’re meeting with donors, recruiting volunteers, managing staff, and figuring out how to stretch every dollar a little further. With so much happening,…
Having Insurance and Having Coverage Are Not the Same Thing One of the hardest conversations I have with contractors usually starts the same way: “Wait… you’re telling me that’s not covered?” Unfortunately, that conversation almost always happens after a claim.…
If you’re a contractor in Texas, chances are you’ve heard someone say: “You’ll need a bond for that project.” And if you’re like most contractors, your first thought was probably: “Okay… isn’t that just another insurance policy?” Not exactly. In…
If you’re a contractor, you’ve probably heard someone say: “Don’t worry, I’m bonded.” The problem? A lot of people think being bonded means they’re protected. It doesn’t. In fact, this is one of the biggest misunderstandings I see among contractors…
