<description>&lt;p class="MsoNormal"&gt;&lt;span lang="EN-US" xml:lang="EN-US"&gt;Your nonprofit closed its doors because of ICE enforcement or federal funding cuts. Is there an insurance policy that could actually help? Maybe, but the answer is a lot more complicated than you'd hope.&lt;/span&gt;&lt;/p&gt; &lt;p class="MsoNormal"&gt;&lt;span lang="EN-US" xml:lang="EN-US"&gt;In this episode, I'm joined by Cody Wiswasser, an insurance professional at &lt;a href="https://communitypartnersins.com"&gt;Community Partners Insurance Group&lt;/a&gt;, to dig into my questions. With so much uncertainty hitting nonprofits right now, I needed to know whether business interruption insurance is something my clients should actually be thinking about.&lt;/span&gt;&lt;/p&gt; &lt;p class="MsoNormal"&gt;&lt;span lang="EN-US" style= "mso-bidi-font-weight: bold;" xml:lang="EN-US"&gt;Here's the situation:&lt;/span&gt;&lt;/p&gt; &lt;p class="MsoNormal"&gt;&lt;strong style= "mso-bidi-font-weight: normal;"&gt;&lt;span lang="EN-US" style= "font-size: 16.0pt; mso-bidi-font-size: 12.0pt; line-height: 115%;" xml:lang="EN-US"&gt;Can nonprofits get business interruption insurance? Are closures for ICE raids or funding cuts covered?&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt; &lt;p class="MsoNormal"&gt;&lt;span lang="EN-US" xml:lang="EN-US"&gt;Cody breaks down how business interruption coverage works, what it actually takes to file a claim, and why the fine print in your policy matters.&lt;/span&gt;&lt;/p&gt; &lt;p class="MsoNormal"&gt;&lt;strong&gt;&lt;span lang="EN-US" xml:lang= "EN-US"&gt;What You'll Learn:&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt; &lt;ul&gt; &lt;li class="MsoNormal"&gt;&lt;span style= "mso-ansi-language: EN-PH; mso-bidi-font-weight: bold;"&gt;What business interruption insurance is and whether your nonprofit qualifies&lt;/span&gt;&lt;/li&gt; &lt;li class="MsoNormal"&gt;&lt;span style= "mso-ansi-language: EN-PH; mso-bidi-font-weight: bold;"&gt;The difference between standard and standalone coverage&lt;/span&gt;&lt;/li&gt; &lt;li class="MsoNormal"&gt;&lt;span style= "mso-ansi-language: EN-PH; mso-bidi-font-weight: bold;"&gt;When a closure actually triggers a claim and when it doesn't&lt;/span&gt;&lt;/li&gt; &lt;li class="MsoNormal"&gt;&lt;span style= "mso-ansi-language: EN-PH; mso-bidi-font-weight: bold;"&gt;How your nonprofit's specific mission affects your coverage options&lt;/span&gt;&lt;/li&gt; &lt;li class="MsoNormal"&gt;&lt;span style= "mso-ansi-language: EN-PH; mso-bidi-font-weight: bold;"&gt;Why you need to understand your coverage BEFORE filing a claim&lt;/span&gt;&lt;/li&gt; &lt;/ul&gt; &lt;p class="MsoNormal"&gt;&lt;strong&gt;&lt;span lang="EN-US" xml:lang= "EN-US"&gt;Bottom line:&lt;/span&gt;&lt;/strong&gt; &lt;span lang="EN-US" xml:lang= "EN-US"&gt;Insurance isn't a magic bullet, but it DOES matter for nonprofits. For nonprofits that qualify, business interruption coverage could be important for them.&lt;/span&gt;&lt;/p&gt; &lt;p class="MsoNormal"&gt;&lt;strong&gt;&lt;span lang="EN-US" xml:lang= "EN-US"&gt;Resources from this Episode&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt; &lt;ul&gt; &lt;li class="MsoNormal"&gt;&lt;span lang="EN-US" xml:lang="EN-US"&gt;Learn more Community Partners Insurance Group at &lt;a href= "https://communitypartnersins.com" target="_blank" rel= "noopener"&gt;https://communitypartnersins.com&lt;/a&gt;&lt;/span&gt;&lt;/li&gt; &lt;li class="MsoNormal"&gt;&lt;span style= "mso-ansi-language: EN-PH;"&gt;Contact Cody for your insurance needs at&lt;/span&gt; &lt;span lang="EN-US" xml:lang="EN-US"&gt;&lt;a href= "mailto:cody.wiswasser@cpiginsurance.com" target="_blank" rel= "noopener"&gt;&lt;span lang="EN-PH" style="mso-ansi-language: EN-PH;" xml:lang= "EN-PH"&gt;cody.wiswasser@cpiginsurance.com&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;/li&gt; &lt;li class="MsoNormal"&gt;&lt;span lang="EN-US" xml:lang="EN-US"&gt;Which States Are In The Midwest? Get mad here: &lt;a href= "https://fivethirtyeight.com/features/what-states-are-in-the-midwest/"&gt; https://fivethirtyeight.com/features/what-states-are-in-the-midwest/&lt;/a&gt;&lt;/span&gt;&lt;/li&gt; &lt;li class="MsoNormal"&gt;&lt;span lang="EN-US" xml:lang="EN-US"&gt;Previous Episode: Can You Use Your Retirement Funds to "Invest" In A Nonprofit? With Jeff Beck: &lt;a href= "https://birkenlaw.com/charity-therapy-podcast/159-invest-retirement-funds" target="_blank" rel= "noopener"&gt;https://birkenlaw.com/charity-therapy-podcast/159-invest-retirement-funds&lt;/a&gt;&lt;/span&gt;&lt;/li&gt; &lt;li class="MsoNormal"&gt;&lt;span lang="EN-US" xml:lang="EN-US"&gt;Episode Transcript: &lt;a href= "https://birkenlaw.com/wp-content/uploads/2026/03/CT160_Transcript.pdf"&gt; https://birkenlaw.com/wp-content/uploads/2026/03/CT160_Transcript.pdf&lt;/a&gt;&lt;/span&gt;&lt;/li&gt; &lt;/ul&gt; &lt;p class="MsoNormal"&gt;&lt;strong&gt;&lt;span lang="EN-US" xml:lang= "EN-US"&gt;Connect with Us&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt; &lt;ul&gt; &lt;li class="MsoNormal"&gt;&lt;span lang="EN-US" xml:lang="EN-US"&gt;Jess Birken: &lt;a href= "https://www.linkedin.com/in/jessbirken/"&gt;https://www.linkedin.com/in/jessbirken/&lt;/a&gt;&lt;/span&gt;&lt;/li&gt; &lt;li class="MsoNormal"&gt;&lt;span lang="EN-US" xml:lang="EN-US"&gt;Cody Wiswasser – reach out at: &lt;a href= "mailto:cody.wiswasser@cpiginsurance.com" target="_blank" rel= "noopener"&gt;&lt;span lang="EN-PH" style="mso-ansi-language: EN-PH;" xml:lang= "EN-PH"&gt;cody.wiswasser@cpiginsurance.com&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;/li&gt; &lt;/ul&gt; &lt;p class="MsoNormal"&gt;&lt;strong&gt;&lt;span lang="EN-US" xml:lang= "EN-US"&gt;Listen &amp; Engage&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt; &lt;ul&gt; &lt;li class="MsoNormal"&gt;&lt;span lang="EN-US" xml:lang="EN-US"&gt;Listen on &lt;a href= "https://podcasts.apple.com/us/podcast/charity-therapy/id1484605289"&gt; Apple Podcasts&lt;/a&gt; | &lt;a href= "https://open.spotify.com/show/5MyIv4pQjloUkMrz5wE2XZ?si=4db9ea586e454a72"&gt; Spotify&lt;/a&gt; | &lt;a href= "https://youtube.com/playlist?list=PLJhdDWJL-yvykB1SeDkiP2PPx7HngWY8X&amp;si=FxT4h72gFFZlH4I9"&gt; YouTube&lt;/a&gt; | &lt;a href= "https://music.amazon.com/podcasts/2ba888c9-1439-45f9-834f-f6b332d4a10a/charity-therapy"&gt; Amazon Music&lt;/a&gt;&lt;/span&gt;&lt;/li&gt; &lt;li class="MsoNormal"&gt;&lt;span lang="EN-US" xml:lang="EN-US"&gt;Rate &amp; Review on &lt;a href= "https://podcasts.apple.com/us/podcast/charity-therapy/id1484605289"&gt; Apple Podcasts&lt;/a&gt;: Click "Ratings and Reviews" then "Write a Review"&lt;/span&gt;&lt;/li&gt; &lt;li class="MsoNormal"&gt;&lt;span lang="EN-US" xml:lang="EN-US"&gt;Send us your nonprofit questions: &lt;a href= "https://birkenlaw.com/podcast/#podcast-story"&gt;https://birkenlaw.com/podcast/#podcast-story&lt;/a&gt; &lt;span style="mso-spacerun: yes;"&gt; &lt;/span&gt;&lt;/span&gt;&lt;/li&gt; &lt;/ul&gt; &lt;p class="MsoNormal"&gt;&lt;strong&gt;&lt;span lang="EN-US" xml:lang= "EN-US"&gt;Stay Connected&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt; &lt;ul&gt; &lt;li class="MsoNormal"&gt;&lt;strong&gt;&lt;span lang="EN-US" xml:lang= "EN-US"&gt;Sign up for the Birken Law Email list:&lt;/span&gt;&lt;/strong&gt; &lt;span lang="EN-US" xml:lang="EN-US"&gt;&lt;a href= "https://birkenlaw.com/signup/"&gt;https://birkenlaw.com/signup/&lt;/a&gt; &lt;span style="mso-spacerun: yes;"&gt; &lt;/span&gt;&lt;/span&gt;&lt;/li&gt; &lt;li class="MsoNormal"&gt;&lt;span lang="EN-US" xml:lang="EN-US"&gt;Follow us on &lt;a href="https://www.facebook.com/birkenlaw/"&gt;Facebook&lt;/a&gt;, &lt;a href="https://www.instagram.com/jessbirken"&gt;Instagram&lt;/a&gt;, &lt;a href="https://x.com/JessBirken"&gt;Twitter&lt;/a&gt;&lt;/span&gt;&lt;/li&gt; &lt;/ul&gt;</description>

Charity Therapy

Jess Birken, MNM, JD

160: Indiana vs Minnesota Throwdown | Can Business Interruption Insurance Help Nonprofits Who Closed During ICE Raids? With Cody Wiswasser

MAR 19, 202621 MIN
Charity Therapy

160: Indiana vs Minnesota Throwdown | Can Business Interruption Insurance Help Nonprofits Who Closed During ICE Raids? With Cody Wiswasser

MAR 19, 202621 MIN

Description

Your nonprofit closed its doors because of ICE enforcement or federal funding cuts. Is there an insurance policy that could actually help? Maybe, but the answer is a lot more complicated than you'd hope. In this episode, I'm joined by Cody Wiswasser, an insurance professional at Community Partners Insurance Group, to dig into my questions. With so much uncertainty hitting nonprofits right now, I needed to know whether business interruption insurance is something my clients should actually be thinking about. Here's the situation: Can nonprofits get business interruption insurance? Are closures for ICE raids or funding cuts covered? Cody breaks down how business interruption coverage works, what it actually takes to file a claim, and why the fine print in your policy matters. What You'll Learn: What business interruption insurance is and whether your nonprofit qualifies The difference between standard and standalone coverage When a closure actually triggers a claim and when it doesn't How your nonprofit's specific mission affects your coverage options Why you need to understand your coverage BEFORE filing a claim Bottom line: Insurance isn't a magic bullet, but it DOES matter for nonprofits. For nonprofits that qualify, business interruption coverage could be important for them. Resources from this Episode Learn more Community Partners Insurance Group at https://communitypartnersins.com Contact Cody for your insurance needs at [email protected] Which States Are In The Midwest? Get mad here: https://fivethirtyeight.com/features/what-states-are-in-the-midwest/ Previous Episode: Can You Use Your Retirement Funds to "Invest" In A Nonprofit? With Jeff Beck: https://birkenlaw.com/charity-therapy-podcast/159-invest-retirement-funds Episode Transcript: https://birkenlaw.com/wp-content/uploads/2026/03/CT160_Transcript.pdf Connect with Us Jess Birken: https://www.linkedin.com/in/jessbirken/ Cody Wiswasser – reach out at: [email protected] Listen & Engage Listen on Apple Podcasts | Spotify | YouTube | Amazon Music Rate & Review on Apple Podcasts: Click "Ratings and Reviews" then "Write a Review" Send us your nonprofit questions: https://birkenlaw.com/podcast/#podcast-story Stay Connected Sign up for the Birken Law Email list: https://birkenlaw.com/signup/ Follow us on Facebook, Instagram, Twitter