Some risk is normal for affiliates. The challenge is what to do about it. Fully assessing what your risks are, what aspects of your affiliate could be affected and what to do about each exposure can be a big job. But the right process makes tackling risk easy. A risk assessment is a simple process any affiliate can use to discover risks and take effective [...]
When your Affiliate schedules outdoor builds and maintenance during warm weather, it’s important to consider heat-related safety. It could mean the difference between a successful day and a medical emergency. Help your affiliate employees and volunteers stay safe in the heat with these tips. What to Know About Extreme Heat Each year, extreme heat results in significantly more weather-related fatalities than extreme cold according to [...]
What volunteer risks is your affiliate facing? Are you struggling with volunteer turnover? Do you have tenured volunteers and employees retiring or leaving? Are you seeing an increase in volunteer illnesses or injuries? When it comes to navigating these challenges and protecting your affiliate, insurance and risk management can play a key role. Habitat for Humanity Affiliate Volunteer Risks Explore these common volunteer risks and [...]
Originally published in May 2023. Updated November 2025. Habitat for Humanity ReStore affiliates manage extensive amounts of inventory, and with inventory comes the risk for inventory damage or injury to employees, volunteers or customers. In managing your ReStore inventory, it is important to follow safe storage best practices and to protect your inventory with insurance. Storing and Protecting ReStore Inventory To avoid inventory loss or [...]
PPE, or personal protective equipment, is essential for affiliate operations on jobsites and at ReStores. From gloves and ear plugs to proper clothing and shoes, PPE helps protect your employees and volunteers from physical injury, chemical exposure, environmental factors and other hazards. Encouraging the use of PPE can help foster a culture of safety and reduce the costs your affiliate faces related to worker injuries [...]
Habitat for Humanity ReStores are community hubs powered by volunteers, employees and donors. To ensure these spaces remain safe, efficient and welcoming, affiliates must prioritize three core areas: maintenance, worker safety and inventory management. Drawing from guidance from Lockton Affinity, administrator of the Habitat for Humanity Affiliate Insurance Program, here’s a comprehensive look at how to elevate your ReStore operations. Proactive Maintenance for a Safer [...]
Affiliates, like every place of employment, face the risk of employment-related claims such as wrongful termination, sexual harassment, wage and hour law, discrimination (age, gender, race, religion, etc.), breach of contract and more. These allegations may be brought against your affiliate by current and former employees, or even a prospective job candidate you interviewed. Along with claims from employees, employers must adhere to employment laws [...]
The Habitat for Humanity Affiliate Insurance Program, administered by Lockton Affinity, has been a cornerstone of reliability and support for affiliates for years. As the stability of the economy and market conditions ebbs and flows, Lockton Affinity remains committed to maintaining affordability for affiliates while ensuring long-term sustainability for the program as a whole. By using the group buying power of Habitat for Humanity affiliates, [...]
Habitat for Humanity Affiliate Insurance Program carrier Chubb has created a helpful safety calendar to help you address risks each and every day of 2025. Download the 2025 Safety Calendar here.
As the administrator of Habitat for Humanity Affiliate Insurance Program, Lockton Affinity provides insurance coverage that affiliates need to protect business operations, including building and rehabilitation projects, ReStores, volunteers, employees and more. As an affiliate, you are required by HFHI to have certain coverage. There are also other coverages available to affiliates through the Habitat for Humanity Affiliate Insurance Program. Below are the insurance policies [...]
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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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