Insurance premiums are rising, but most nonprofit leaders have never been taught how the insurance marketplace actually works. This session provides a practical framework for managing one of your organization's largest and fastest-growing expenses. Attendees will learn how insurance carriers evaluate risk, how brokers influence pricing and coverage outcomes, common mistakes that lead to higher premiums, and strategies nonprofits can use to protect their mission without overpaying. Participants will leave with five practical questions to ask before their next renewal and a better understanding of how to become a stronger risk in the eyes of the insurance market.