For nonprofit childcare providers, the overriding trend today is tight state budgets and reduced revenues. One way providers are trying to adjust to this new reality has significant implications for their insurance programs: relying on volunteers to do the work that paid employees used to do
In this age of the Internet and burgeoning technology, the high-touch often is overshadowed by the high-tech. Far from being obsolete, however, social-service organizations are more important than ever, as are the agents who arrange their insurance