How to Open a Daycare

We have compiled licensing procedures for New York City. Make sure to follow your state’s specific requirements. Regardless this will give you a general idea of what you will have to do Read More »

What Daycare Owners Must Know About Lead Based Paint

The most common cause of childhood lead poisoning is the dust that comes from lead based paint. While lead paint was banned for NYC residential use in 1960, and nationwide in 1978, Read More »

How to Manage Abuse & Molestation Risks – Part 1

Above all else a school’s primary responsibility is to keep their children and teens safe at all times. Unfortunately this is not always the case as during the past few years several Read More »

Proper Insurance Claims Follow Up Procedures Yield Big Dividends for Schools & Non Profits

If you read our first article in the series “Managing Insurance Claims First Reports Can Have Big Impact  for Schools  & Non Profits” then you know that it’s a two part process, Read More »


Category Archives: Non Profits

Non-Profit Innovation

Non-profit organizations, just as for profit organizations, require innovation in technology and ideas to succeed or survive. Innovation is important in research expansion, resource application, fund raising, and in mission commitment. Innovative programs, grants, and awards help motivate non-profit managers to work hard. However, the process of innovation is difficult. The SIT approach may be used by non-profits to determine it’s ‘break fixedness’ roles, process, and resources to discover opportunities. 

The main internal and external components of a non-profit organization may include: Volunteers, Fundraising, promotions, benefactors, beneficiaries, mission statement, executive director, management board, the office, phones, website, grants, and donations. Take each component and determine its benefits and resources to discover new ways to use them.

Here are a few programs some non-profit organizations have used:

-Turning sales into donations: Some non-profits have teamed with large retailers such as Home Depot and Target. The customer may donate a portion of the purchase to a non-profit of their choosing.
– A T-shirt company partnered with a non-profit school and allowed the children to create designs to be voted on and used by the company. All of the proceeds were allocated to the school.
– An Australian non-profit organization, Can Too offered professional swimming and running training for charity.
– The non-profit MarkProf Foundation is a free 7 week innovation training program for company executives

For more fundraising ideas and finance information to help your non-profit, we strongly advise you contact Metropolitan Risk Advisory.

Coordinating Ambitions and Compensation In The Non Profit World

When an increase in revenue results in an increase in pay, employees become more motivated to work. The top down method is when a non profit’s mission and goals motivates plans. A non profits business plan leads the organization towards it’s goals. Compensation plans are built as foundations of anon profits financial and strategic goals.

You must start with your revenue growth, how will your non profit  increase donations and grants, will your non profit  develop a new service or assist a new constituency? After your plans to expand your Non Profit, you have to consider your employees and how to compensate them for helping the non profit  approach its goals. Donation and grant writers are motivated by commissions, but you can come up with other ways to compensate them to show that you appreciate their hard work. You can compare non profits  revenue goals against total (realistic) quota.  Goals should be individualized to each fund raiser  representative. The further the fund raiser exceeds his/her goals, the larger the compensation. Each fund raiser representative can also be motivated and rewarded for the department’s overall success. Other incentives and rewards can be created for the department. Regular performance reviews are valued by the employee and reminds managers how hard each employee is working.

When designing a compensation plan, consider your non profits goals, talk to your board or executive director, and study other compensation methods. When your plan is finalized, make sure your goals and your compensation plan cooperate.

For additional ideas on how to generate revenue or lower the cost structure for your non profit ; we encourage you to contact Metropolitan Risk Advisory.

Three Alternative Benefits In-Place of Raises for Non Profits

During a recession, non profits as well as employees are greatly effected; many small businesses and non profits are watching their expenses and employees are receiving less raises or none at all.The serious financial budget shortfalls are leaving the non profit funding apparatus of the states and federal government  woefully short. There is a direct correlation with a decrease in raises and  employee satisfaction. Many of the “Best Practice” Non profits  are implementing ways to boost employee satisfaction through benefits and perks instead. Employees are not necessarily motivated by money, satisfaction, or performance unless they are not being compensated fairly. Sometimes praise for work well done, the feeling of being an essential part of the company, or being rewarded are valued more than money. Many employees prefer recognition and a work/life balance over money. Non profits have the added advantage of expressing reward to employees through social concious , or philanthropic achievement. Working to serve a higher purpose beyond financial reward which is what has driven many employees into the non profit sector originally.

Three ways to satisfy employees and increase motivation include:
– Reward good behavior with schedule flexibility: Employees believe flexible schedules is one of the most important benefits. Depending on the type of business, flexible schedules may include the ability to work from home once a week, or being able to complete their work in 2 days or spread it out over the week, as long as the work is accomplished on time. Another option is to let your employees work an extra hour each day for 4 days and be able to leave early on Fridays.

– Acknowledge great work: Recognize hard work by commenting, rewarding employees with gift cards, awards, etc.

Personalized incentives: this option lets the employee know that the company cares about him/her.

Whatever the advantages and incentives you provide, it must be important to the employees and satisfy their needs. In return, your employees will be motivated to work hard.

For more ideas on how to maintain a lower cost structure for your non profit , contact Metropolitan Risk Advisory for information.

New York’s Intellectual Capital: Westchester County’s thinkTANK

Westchester County’s Office of Economic Development provides a monthly newsletter, thinkTANK . This e-newsletter includes very relevant and up-to date information that focuses on:

-Biotechnology: a growing sector in Westchester. Research and Development tax credit will help many New York companies
-Information technology
-Healthcare: The expansion of treatment centers in Westchester
-Finance: Westchester is determined to create jobs and help it’s local businesses
-Westchester’s job market and advice
-Professional services: Expansion of local professional businesses
-Green initiatives, energy efficiency: Helping Westchester become more eco-friendly and save costs by doing so
-Links to nyserda Energy, Innovation Solutions, SCORE, MetroPool, Hudson Vally Economic Development Corporation
-Small business
-Government contracts
-Training and education
-International connections
-Location and site analysis
-Forms and permits
-Government and chambers of commerce
– and much much more!

For more information about Non-Profit Resources and ways to reduce your business’s experience modification factor and expenses, consult Metropolitan Risk Advisory.

Resources Guide For NY Non Profits



Non Profits – Foundations – Grants :

Association of Fundraising Professionals

The Association of Fundraising Professionals site provides resources on ethics, public policy, education and career development, as well as research and statistics related to fundraising and philanthropy. You can access some AFP publications online, including ready reference guides for fundraising practitioners, form toolkits, State of Fundraising Annual Reports, and article excerpts from Advancing Philanthropy.


Center on Nonprofits and Philanthropy

Part of the Urban Institute, the Center on Nonprofits and Philanthropy web site provides a number of up-to-date reports on the nonprofit sector including statistical reports, analysis, operational information about foundations, and more.


Chronicle of Philanthropy
A Hill Periodical Collection; some articles available online at A key news source for nonprofit leaders, fund raisers, and grant makers. The Chronicle provides information on giving trends, top 50 most generous donors, top 400 charities, and more.


The Foundation Center

The Foundation Center is an independent nonprofit clearinghouse for information on foundations, corporate giving, and related subjects. Their web site provides statistics on U.S. private and community foundations and their funding patterns. You can also search their database for basic information on individual foundations, including accessing the most recent IRS 990 filings. is the clearinghouse for information about government grants. Information is available for over 1,000 grant programs, and the site provides access to approximately $400 billion in annual awards. Users can search for and apply for grants via the site.


Subscription database available at the Hill Library; some free access available at GuideStar publishes financial and organizational information on nonprofits throughout the U.S. Financial information comes from the IRS; organizational information comes from the organization itself or its IRS filings. Search for nonprofit organizations by EIN, geography, activity category, IRS subsection, and/or income. Some information is available for free; the Hill Library has a premium subscription to this resource that is available to all users at the Library.


National Center for Charitable Statistics
National repository of data on the nonprofit sector in the United States, the NCES’s mission is to develop and disseminate high quality data on nonprofit organizations and their activities for use in research on the relationships between the nonprofit sector, government, the commercial sector, and the broader civil society.


The Nonprofit Times
Hill Periodical Collection; some articles available online at Geared towards executive management of nonprofits, this bi-weekly publication focuses on the business information needed for effective management. This publication also includes two annual issues of particular note, America’s 100 largest nonprofits and an annual executive salary survey.


Grants & Proposal Writing  :

Non-profit Guides: Grant-Writing Tools for Non-profit Organizations

This site provides free web-based grant-writing resources for non-profit organizations, charitable, educational, public organizations, and other community-minded groups. The site includes guidelines for successful grant-writing, an overview of the preliminary proposal and full proposal processes, and sample proposals.


Proposal Writing Short Course

This short course, excerpted from The Foundation Center’s Guide to Proposal Writing, focuses on proposal writing. It also stresses the need for proposal writing to be part of a larger process of planning research on, outreach to, and cultivation of potential foundation and corporate donors.


Writing a Successful Grant Proposal

This site provides a basic outline to guide users through the proposal writing process. The outline suggests topics to be covered in a grant proposal and also includes a section on frequently asked questions.

Standard & Poor’s NetAdvantage
Subscription database available at the Hill Library NetAdvantage allows you to search S & P’s Register of Executives, providing over 70,000 executive profiles to help you contact those you need to reach. Biographical information about executives can include directorships, alma maters, and fraternal or professional associations.


Metropolitan Risk Advisory

Provides risk management & insurance brokerage service, advice, and insurance coverage in the following lines of insurance: NY Non Profit General Liability Insurance, NY Non Profit Workers Compensation Insurance, NY Directors & Officers Liability Insurance, NY Fiduciary Liability Insurance.

5 Challenges Non-Profits Encounter

Many NY Non-Profit organizations are facing many difficulties through the recession beyond simply their NY Insurance for Non Profits . Many NY Non-profit board members say that their major challenges include:

  • -Putting too much focus on strategy and forgetting about their role in the organization
  • -Focusing on the important issues and projects
  • -Looking towards the future and innovation while watching expenses
  • -Board, staff and brand energy and success
  • -Leadership stability; if a CEO steps down, another must be ready to take the role and responsibility
  • Inconsistent revenue projections due to State & fed cutbacks, and donations ebbing.

In times like these perhaps the most important strategy a NY Non Profit , or a NJ Non Non Profit must do is realize why they are there in the first place. To provide assistance to those less fortunate than us. Go back to basics, appreciate the impact you have and had, and focus on your people and those critical relationships!!

For more information contact a Risk Advisor for guidance

How to Find New Donors During a Recession

This post is not exactly about insurance, however it is about finances. Without tending to the income side of the balance sheet you will have nothing to insure. Thus in the spirit of trying to help our Non Profit friends and clients we thought we would incorporate some insightful fund raising tips. When we see something that has merit to our NY Non Profit Insurance  audience we will deliver it.

Non-profit organizations are experiencing low response rates from direct mail endeavors and aren’t sure if reducing donor acquisition is the best solution. Cutting back on acquisitions may save a company money, but only temporarily because revenue will be lost in the long run. It is estimated that 20% of donor acquisitions each year will continue to contribute five years later. Donor acquisitions is an important investment. Some advice for those of you who are contemplating cutting back on donor acquisitions:

  • Keep a steady number of acquisitions to protect direct mail revenue from declining
  • Report acquisition appeals when donor response rates are at its highest.
  • If you are forced to cut back on donor acquisitions, drop the list with the lowest performance. Organize your performance list by cost and analyze how much you can save by cutting the donors at the bottom.
  • Contact as many multi buyers as often as you can through mail
  • Re-using better performing donor lists can save costs in list rental and may not affect your performance. Consult your list broker about this to see if it is beneficial to you.
  • Mail old donors
  • Ask your corporate partners for donor names
  • Reduce acquisition package costs without affecting revenue
  • Look to vendors who provide a service and derive and income from your Non Profit.
  • Never discount the family and friends network.
  • Utilize and Facebook & Linked In and Develop a robust Social Media Strategy. It’s low cost and high return!

If you need some assistance with the last one we would be more than happy to have a quick meeting to show you how to accomplish this. Click here to contact a Risk Advisor