How Workers’ Comp Operates With Non-Profit Groups

These days, there are more non-profit and charitable organizations than ever before. With the problems of the world mounting, these businesses often cover the massive gaps created by inequities in modern society. However, these organizations can also fall into a strange category of business. If you run such a niche establishment, you absolutely want to take extra care when the time comes to find appropriate insurance coverage.

Protect Your Workers and Volunteers

It is important to understand that workers compensation for non-profits operates in a slightly different way than standard compensation plans. This is largely due to the fact that workers for non-profits tend to be volunteer workers. In the event of an accident in the workplace, volunteers are not typically covered by a traditional plan. By taking out coverage that fully protects all workers of your niche business, you can give yourself peace of mind. Other areas to think about when selecting insurance include:

  • Commercial car coverage
  • Policy options for directors and officers
  • Industry-specific risk assessment

Learn All You Need To Know

Taking out appropriate insurance for a non-profit company can be a bit different than pursuing coverage for a more traditional business. In order for you to feel confident that the plan you pick will meet the demands of your industry, be sure to take time to consider all angles. By understanding the key differences for niche industries, you will have no problem finding the perfect fit for your organization.

Why You Need DO Insurance

Condominium association directors and officials are members of the community who donate their time to ensure the efficient operation of their neighborhood. However, what appears to be a fantastic opportunity to protect the community can also be a significant personal risk.

This is not a risk to be taken lightly, especially because litigation can easily exceed $100,000.

Have a Good Defense

Fortunately, a legal remedy can help condominium associations safeguard their board members if a lawsuit is filed against them. Condos might purchase directors and officers insurance for condo associations to protect their board members’ assets.

The board member’s defense against the liability claim may be covered by directors’ and officers’ insurance. If they are determined to be at fault, it can also pay for damages or settlements.

Who Is Suing?

Neighbors make a huge number of claims against individuals in control of a condominium association which makes having directors and officers insurance for condo associations important.

A condo association member, for example, might sue the board of directors for breaking its own rules by selling parking spaces to non-owners. Non-owners were able to purchase a portion of the communal parking lot, resulting in a parking shortage for condo owners in that unit.

It’s hard to forecast when allegations against condo board members will arise, just as it is with other litigation. Having directors and officers insurance for condo associations on a board can help to protect a condo association’s future by allowing members to volunteer their time without feeling personally in danger.

Insurance Options for Condo Associations

Condo associations have to make a lot of important choices on behalf of all of a building’s unit owners. The board members decide how to manage the property, what dues to charge, and how to spend the association’s funds. Protecting the property with insurance is one of their biggest responsibilities. Board members need to carefully evaluate coverage options and policies that will fully safeguard the association.

Coverage Options

Typically, condo associations are responsible for maintaining and insuring a building’s common elements, and unit owners are responsible for insuring their own units and the contents. However, some condo insurance programs offer coverage that will apply to individual units. Insuring the contents and personal property would be up to the unit owners.

Liability Coverage

In addition to insuring the physical premises, condo associations need coverage to address liability concerns. A general liability policy can help to pay for legal costs and damages if a unit owner or a third party makes a legal claim against the association. A directors and officers liability policy can protect the board members who could be personally liable in their capacity as directors.

Ultimately, associations should work with insurance companies that are experienced in serving condos and HOAs. They can help associations build coverage packages that meet their unique needs.

Reducing Your Operating Liability When Working to Help Others

Reducing Your Operating Liability When Working to Help Others


Even though the idea of running a non-profit is associated with a service or product that helps humanity, the corporation itself isn’t immune to problems of litigation and unhappy consumers. The experts at David Sayles Insurance warn about three potential areas where some may claim loss or harm, and non-profit lawsuit battle ensues.


Three Potential Claims


There are three primary claims that will be made against non-profit organizations, and these include employment law claims, contract disputes, and personal injury claims. These claim areas aren’t novel to just non-profits, but usually, they are ignored when pursuing a liability insurance policy. Major corporations and businesses that operate under a different structure will carry additional coverage to make sure their finances are supported in the event of a claim.


The Best Defense


The best way to defend your organization from a devastating lawsuit is proactive in addressing the areas of risk. Not only should your company purchase the right insurance policy, but you should follow strong business practices devised according to a risk management plan. Keep well-documented paperwork for contracts, donations, employee records, and other areas of importance. Establish a safe working environment and ensure that the activities you sponsor are well-covered by insurance, and only work with vendors who also carry strong insurance coverage. Reducing your areas of liability can help you avoid costly legal battles.

Winter’s Negative Effects on Fuel Efficiency for Truckers

Working to improve semi-truck fuel efficiency can save your business money at the pump. However, it may be even more necessary to have better fuel efficiency in the winter. The last thing you want is to have your truck stranded for running out of fuel.

Cold Weather

The cold weather negatively affects fuel economy for all vehicles. To compensate for the lower temperatures affects on diesel gelling, many fuel companies add additives to allow the diesel to work better in the cold which decreases fuel efficiency. As referenced on, properly inflated tires, clean filters, and limited idling can help improve fuel efficiency.

Wind Effects

Cold fronts, winter storms, and blizzards tend to bring an increase in wind speed. The fuel efficiency of a vehicle especially a semi decreases when the winds are strong because of the aerodynamic drag of a headwind. Truckers can expect as much as a 13% decrease in fuel efficiency for every 10mph of a headwind or crosswind.

Idle Time

The cold weather outside can seep into the cab when at a stop. Truckers are more likely to increase the amount of time idling when making any stop in order to keep the cab warm. Idling decreases fuel economy.

With all the ways the cold weather can affect fuel economy, using a few tips to improve semi-truck fuel efficiency can help combat those effects. Save fuel and money this winter.

Love: The Spoken Word of Tshombe The Poet

“Black Pearl”, the title of one of Tshombe, the Poet’s hip-hop songs speaks of love – a woman with silk smooth skin, the daughter of Sheba. He speaks of her body, each part, and the strength that he gets – her lips that spread truth, the wisdom that stimulates his intellect. “You are the foundation.”


He talks about her as his destiny…that this woman holds the key to his redemption. How could he possibly forsake her? She stood by him as he failed in his efforts to become great. She is strength. All she asks for in return is his respect and to be honored by him. She will give him everything for the dignity she deserves.


Although this message seems to be quite personal and intimate, between Tshombe, the Poet, and this woman, who he extols as his “life”, it is a universal message, speaking to all who receive and give love yet perhaps don’t truly value the gift that they have been given. In his own way, he is reinforcing the values of matrimony – to honor, to respect. And that is what his love is asking of him, as all woman want from their partners.


“Black Pearl” is a wonderful message for all who are open to listening to Tshombe, the Poet.


Tshombe The Poet: About Face in the Digital Age

Tshombe the Poet takes us into the 21st Century, musing over how the digital age has transformed us, as we’re lost in the .dot coms where the “mouse has us trapped”! What a clever play on words as Tshombe brings to life our dependency on computers, smarphones, and iPads – connected like an umbilical chord to these devices. Thumbs clicking away on Facebook, Twitter, Tumblr and other social media platforms to stay connected, all the while disconnecting from the fabric of our lives.


Tshombe reminds us that we are looking for love in the all the wrong places, “more concerned about how our faces look in Facebook”. Think about it: Every time you upload a photo, take a video, what are you saying to your virtual world? What are you showing? The real you? The virtual you? Tshombe, the Poet, has us looking inward as to what we’re really aiming for, a life of real connection or one that has a screen between us and others.


All of his commentaries are set to riffs and sounds – verbal jazz as he calls it – that are meant to sometimes offset the strong messages he is conveying while at other times designed to underscore the meanings of his words. Each of his words has been carefully chosen. His voice is mesmerizing, its depth soothing, while the words he speaks can be quite cutting. You are left with an experience that leaves you wanting more.

Tshombe The Poet Takes on Plight of African Children

In his song, Kai (Life), Tshombe The Poet speaks of the degeneration of this generation. He speaks of greed and self-loathing and how we have turned our backs to the real meaning of life. He also speaks of the plight of African children and makes reference to the diamond trade and the need for “ice”.


“African children digging in mines instead of developing their minds, so they sing freedom songs as they are made to be slaves for the sake of blame. So that our wives can show us how much we love them through the size of their rings”. This is a verse from “Kai” that Tshombe so eloquently reveals, capturing the real essence of the moral breakdown we face when children are not being educating but instead are mining for ice so that we who have riches can don rings, necklaces, and bracelets made of gems mined by the hands of our young.


His poetic brilliance, which is both simple and complex, set against a jazzy soundtrack and his ability to bring his commentary to life sets the tone for reflection…perhaps discussion, even movement. He reminds us of what life should be about, not what it is, especially for the disenfranchised, such as the homeless and the “child that feels the pain when there is nothing to eat”.


Tshombe, the Poet, reminisces in “Kai” when it was just about “we”. Now it’s just about “I”, he says. It’s a call for community, for that village that once was.


Tshombe The Poet Speaks Truth: Are You Ready To Listen?

Tshombe Sekou, Tshombe The Poet, is part of a small group of North American independent artists who have taken poetry to a new level. He has the unique ability of expressing his innermost thoughts in a way that is reminiscent of both ancient philosophers and great thinkers like Krishnamurti and Khalil Gibran.


With ocean sounds and drums beating in a melodic rhythm, Tshombe brings us into his world of truth through uncensored thought-provoking commentary. He refers to his style as verbal jazz, combining his love for jazz and poetry and his life’s experiences into one-verse.


“Life is a gift”, he says, and speaks in metaphors to deliver his message. His deep voice resonates with his listeners as they are encouraged to lay back, stay a while, and think about what he is saying.


In the song Kai (Life), he extols what life is about and how so many of us have lost our way, no longer “meeting the beauty of the birth of a new sun”, but getting caught up by the lines of lies we are snorting, becoming greedy, and getting high on our own supplies. We change our clothing, he says, and mask ourselves pretending to be someone else because of our self-loathing. All the while as we listen to these challenging words we’re lulled by background music that is soothing and comforting.


The juxtaposition of his deep voice and scathing commentary (albeit with metaphors that delight) on humanity set against music that is meant to soothe is not lost upon the listener. You want to continue to listen, to hear what Tshombe, the Poet, has to say. To see if you agree – or disagree. To ponder over his message and then listen again to fully realize where you stand.


He takes on big issues – the treatment of woman, drug abuse, apathy, lack of education, and so many other social issues – all set to a beat and a poetic rhythm that prevents you from hitting stop.