“Workforce instability has emerged as a significant concern,” Siegel told Insurance Business. “Staffing shortages, burnout, and difficulty recruiting and retaining qualified staff heighten operational risk and contribute to employment practices liability, supervision challenges, and fatigue-driven incidents. Many organizations also serve populations struggling with mental health, homelessness, or substance use, which can elevate the frequency and severity of claims related to behavioral challenges, injury, or third-party liability.
Non-Profit Insurance Risks: Are Traditional Markets Falling Behind in 2026?
By Awais
