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Insurance is not glamorous. It is paperwork, premiums, and conversations most nonprofit leaders would rather avoid. But if you run a nonprofit long enough, you learn a hard truth. The moment you need insurance is the moment it is too late to start thinking about it. In this episode of the Charity Charge Show, host Stephen Garten sits down with Pamela Davis, Founder and CEO of the Nonprofit Insurance Alliance, a nonprofit insurer that serves roughly 26,000 to 27,000 nonprofits across California and 32 additional states. Pamela shares how a graduate school thesis turned into a 35 year mission, why traditional insurance markets fail nonprofits, and what new and small organizations need to know before a claim ever happens. About Charity Charge: Charity Charge is a financial technology company serving the nonprofit sector. From the Charity Charge Nonprofit Credit Card to bookkeeping, gift card disbursements, and state compliance, we help mission-driven organizations streamline operations and stay financially strong. Learn more at charitycharge.com.