Cyber attacks pose a significant risk to businesses, costing companies millions and ruining reputations. The tactics used by hackers are always evolving so it’s important to make sure you are keeping up. Most attacks result from a business and its employees being unprepared or underprepared for a threat. But by following the latest cyber security best practices for your affiliate can significantly minimize your risk [...]
All volunteers help contribute the skills, manpower and enthusiasm your organization needs to succeed without breaking the bank. But long-term volunteers can add value to your organization year after year. While we would all like to believe volunteers get involved in causes and organizations for the right reasons, it isn't always the case. Your affiliate could be a victim of crime, suffer public relations issues [...]
Waivers of subrogation are an important part of commercial contracts. These waivers are agreements between two parties where one party agrees to waive subrogation rights against the other in the event of a loss. For affiliates, waivers of subrogation are commonly used when a subcontractor signs a contract with a general contractor (or Habitat affiliate) to work on a project. Commonly requested in professional and [...]
If you are planning an in-person or virtual bicycle event to raise funds at your affiliate, don’t forget that you are required to obtain a separate Liability/Special Event insurance coverage to cover the event. HFHI requires that affiliates have Special Event coverage with a $2 million per occurrence limit, including coverage for participants. Additionally, the policy must name Habitat for Humanity International, Inc. as an [...]
Habitat for Humanity Affiliate Insurance Program carrier Chubb has created a helpful safety calendar to help you address risks each and every day of 2022. Download the calendar here.
According to a recent study by the National Fire Protection Association, an estimated 261,330 intentionally set fires were reported to fire departments in the U.S. This included 49,690 structure fires. Although 19% of intentional fires involved structures, these fires accounted for 86% of direct property damage. Risk assessment and arson prevention are the foundational strategies for protecting Affiliate property. Consider this article to learn how [...]
According to the latest data from the National Highway Traffic Safety Administration (NHTSA), an estimated 538,000 large trucks were involved in police-reported traffic crashes nationwide during 2019. These crashes can be costly for Habitat affiliates. Consider this claim: In 2020, a ReStore truck merged onto the highway while following a vehicle too closely. They rear-ended the vehicle in front of it, causing a claim of [...]
It's a new year and the perfect time to review your safety procedures for the most common risks around your ReStore. Ensure employees, volunteers and customers at your ReStore enjoy a safer 2022 with these tips: remaining vigilant for cyber threats. Develop computer policies and procedures, protect your devices, enable software protection, install security updates, use strong passwords, and train employees on how to spot [...]
Alcohol is an important part of many celebrations, but it can also contribute to accidents, injuries and death. The potential liability for damages resulting from the consumption of alcohol has expanded over time to include the entities serving alcohol. If your affiliate has events at which beer, wine or spirits are served, you could be at risk of a lawsuit. Affiliates should practice good risk [...]
For affiliate employees who work with computers on the job, staying safe online is a must. Every day, nearly 1,300 reports of cybercrime are filed with the FBI's Internet Crime Complaint Center. Hackers want to access business computers to commit fraud, steal financial data and hold digital files for ransom. Affiliates are most at risk of business email compromise (BEC) scams. About one in four [...]
LOCKTON AFFINITY, LLC.
10895 Lowell Avenue, Suite 300 | Overland Park, KS 66210
(888) 553-9002 | HFHInsuranceService@LocktonAffinity.com
MAILING ADDRESS: PO Box 410679 | Kansas City, MO 64141
The Habitat for Humanity Affiliate Insurance Program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers LLC in California #0795478. Coverage is subject to actual policy terms and conditions. Policy benefits are the sole responsibility of the issuing insurance company. Coverage may be provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates may not be subject to regulation by the insurance department of your state of residence. Excess/Surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency. Habitat for Humanity will receive a royalty fee for the licensing of its name and trademarks as part of the insurance program offered to the extent permitted by applicable law.
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