Board Directors
Making oversight decisions with the full picture in front of them.
Structure · Solve · ServeNonprofit insurance,
Nonprofit insurance,
benefits, and unemployment solutions.
S. Wolf & Associates helps 501(c)(3) organizations manage property and casualty coverage, employee benefits, unemployment cost strategy, and insurance RFPs with guidance shaped around how nonprofits actually operate — from the board room to the office manager’s desk.
Community-first guidance · Responsive advisors · Since 2013
Property & Casualty
Employee Benefits
Unemployment Insurance
Volunteer Liability
Special Event Coverage
D&O Protection
RFP Services
Grant Compliance
Property & Casualty
Employee Benefits
Unemployment Insurance
Volunteer Liability
Special Event Coverage
D&O Protection
RFP Services
Grant Compliance
About Us
Built for nonprofits, not corporations.
We speak to the full nonprofit team — from board directors and executive leaders to operations staff and office managers.
Why nonprofits need specialized coverage
Most nonprofits operate on strict or restricted budgets. Sudden premium spikes create immediate financial hardship. We customize coverage to deliver stable, predictable pricing — protecting your mission without straining your resources.
We serve organizations that:
- Work with vulnerable populations — children, elderly, and at-risk adults
- Rely heavily on volunteer participation
- Host large fundraising and community events
- Employ social workers or transport clients
- Manage niche operations like animal rescues
Who we speak to
Guidance tuned to each role that shapes coverage decisions inside a nonprofit.
Executive Directors
Managing mission and growth without losing the day-to-day thread.
Finance & Operations Leaders
Protecting the budget with stable, predictable pricing.
Office Managers
Carrying day-to-day administration and coverage follow-through.
The S. Wolf Way
Structure. Solve. Serve.
This is a scroll-driven story built for the people who actually run nonprofits — from board oversight to everyday administration. As you move through it, the strategy shifts from structure to solve to serve.
Structure
For board members and executive leaders who need the full picture before making decisions.
Step 01 · Structure
Understand your full insurance landscape.
For board members and executive leaders who need the full picture before making decisions.
We audit your complete coverage — property and casualty, employee benefits, unemployment strategies, and grant compliance. We identify gaps, overlaps, and opportunities to align your insurance with your mission and budget.
- Survey organizational risks and operational challenges
- Review current policies across all product lines
- Assess alignment between coverage and actual needs
- Identify cost-saving opportunities
Step 02 · Solve
Recommend carriers and coverage options tailored to you.
For finance teams and office managers balancing mission, budgets, and daily administration.
We evaluate options that fit the unique needs of your nonprofit, then compare practical paths forward. From policy selection to unemployment programs to RFP responses, we present clear recommendations with real dollar comparisons.
- Solicit quotes from qualified carriers across all needed coverage
- Model different cost-sharing and deductible scenarios
- Evaluate unemployment alternatives and tax strategies
- Provide clear recommendations with side-by-side comparisons
Step 03 · Serve
Support your organization year-round.
For the people handling real-world follow-through after the board meeting ends.
We provide hands-on, regular service across all your coverage. One contact for policy questions, claims, renewals, and changes — we handle the administrative lift so you stay focused on mission.
- Provide a single point of contact for all insurance questions
- Handle policy changes, claims, and coverage updates
- Support annual renewals and open enrollment periods
- Manage billing, compliance, and documentation
Day-to-day follow-through
Claims Support
Get hands-on help when your organization needs to file a claim or navigate the next steps clearly.
Policy Changes
Request updates to existing coverage as staffing, operations, locations, or programs evolve.
Contact Updates
Keep billing, renewal, and service communication accurate as leadership or administrative contacts change.
Payment Help
Get support with insurance payment questions so ongoing coverage administration stays simple and organized.
How we put it into practice
Building the right foundation.
We take the time to understand each organization's mission, operations, and risks. Through detailed assessments and open communication, every recommendation is grounded in real needs — not assumptions.
Our structured approach is designed to identify material risks and practical savings opportunities — from the first conversation to the final policy.
Board DirectorsExecutive DirectorsFinance & Operations LeadersOffice Managers
Step 01
Risk Assessment
Survey decision-makers on organizational risks.
Step 02
Employee Needs
Gather staff input on coverage and priorities.
Step 03
Cost Analysis
Evaluate budgets and projected program costs.
Step 04
Carrier Partnerships
Establish partnerships with qualified carriers.
Lend a Hand Programs
Service beyond insurance.
Three programs that extend our partnership past the policy.
The Tool Kit
Curated categories for organizational documents and templates, with clear availability notes and direct follow-up options from the team.
Community Cares
Agency staff volunteer directly with client organizations, assisting with project management, operational tasks, and cross-sector referrals. We bridge for-profit donors with nonprofit recipients.
Network Services
Leveraging 25+ years of industry connections, we structurally bridge complementary nonprofits — helping organizations share resources and collaborate on localized community solutions.
Our Offerings
Everything we offer — assembled around your mission.
These are the products we bring to the table. We don't sell one-size-fits-all policies; we listen to your needs and customize a package from these offerings so you're covered exactly where it matters.
Property & Casualty
Comprehensive protection for facilities, everyday operations, and personnel — safeguarding assets, people, and mission.
Management Liability
- Directors & Officers (D&O)
- Employment Practices Liability
- Fiduciary Liability
Package Coverage
- General Liability
- Professional Liability
- Commercial Property
- Commercial Auto
- Hired & Non-Owned Auto
Specialized Coverage
- Workers Compensation
- Cyber Liability
- Special Event Coverage
- Volunteer Liability
Protection & Bonds
- Umbrella / Excess Liability
- Bonds & Surety
- Property Bonds
Employee Benefits
Tailored benefits packages that attract and retain talent while balancing tight budgets, with modern HR software integrations that streamline onboarding and management.
Core Coverage
- Medical
- Dental
- Vision
Life & Disability
- Group Life Insurance
- Short-Term Disability
- Long-Term Disability
Additional Options
- Accidental Death & Dismemberment
- Voluntary Benefits
- Flexible Spending Accounts
Support Services
- HR & Enrollment Support
- Open Enrollment Management
- Annual Plan Review
Unemployment Insurance
Alternative unemployment options and risk management solutions structured to help 501(c)(3) organizations optimize claims and state tax funding.
Program Options
- 501(c)(3) Tax Exemption Strategy
- Reimbursement Programs
- Pooled Programs
Management Services
- Claims Management
- State Tax Funding Analysis
- Rate Optimization
RFP Services
Expert guidance to help boards, executive directors, and CFOs navigate complex insurance RFPs, evaluate quotes, and ensure grant compliance.
RFP Support
- RFP Preparation
- Template Development
- Scope Consultation
Evaluation & Compliance
- Quote Evaluation
- Carrier Comparison
- Grant Compliance Review
Negotiation
- Carrier Negotiation
- Terms & Conditions Review
Solve
Finding your best coverage.
Carrier Selection Criteria
Integrity
Honest, transparent practices across all operations.
Technology
Modern tools that streamline client experiences.
Innovation
Forward-thinking solutions for evolving needs.
Teamwork
Strong collaboration for reliable service.
The value of trusted carriers
- Cost Savings
- Multiple quotes often result in direct premium savings.
- Market Creation
- Carrier relationships establish new markets for hard-to-place coverages.
- Streamlined Portfolios
- Consolidating coverage under fewer carriers unlocks comprehensive protection.
Carrier Partners
Explore the carriers we work with.
Each logo links directly to the carrier's website.
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Our Leadership
The people behind your coverage.
Polly Kosyla
Founder
Over 25 years helping nonprofits secure tailored coverage with steady pricing and practical guidance.
Charlie Kosyla
President
Fresh leadership focused on relationships, growth, and the real operational needs nonprofits face.
Trey Elder
Nonprofit Benefit Specialist
John Blockinger
Account Manager | Nonprofit Retention Specialist
Alex Averbach
Director of Operations
Wolf AI
AI AssistantWebsite Assistant
Christopher Marziani
Digital Strategy & Technology
Our Reach
Protecting missions across the country.
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Organizations Protected
Nonprofits, schools, healthcare providers, and advocacy groups nationwide
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Direct Advisory Clients
Organizations personally advised by President Polly Kosyla
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Founded
Mission-first nonprofit insurance guidance built for today’s organizations
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States Served
Serving nonprofits nationwide, coast to coast.
Our diverse clientele includes nonprofits, schools, healthcare providers, advocacy groups, and arts organizations — each receiving coverage as unique as their mission.
Coverage Review
Start your coverage review today.
What we need from you to begin.
01
Phone Number
Share the best number for a quick call with our team.
02
Optional Context
Add your name, organization, or email if useful.
03
Coverage Needs
Tell us what you want to discuss, or skip it and talk through details by phone.
04
Policy Review
No file upload needed. We'll discuss existing policies directly on the call.
We keep the first step simple: send a phone number or call directly. We can talk through existing policies, coverage needs, and next steps without asking you to upload documents online.
Get in Touch
Let's talk about your coverage.
Visit Us
2338 W. Morse Ave, Suite 1C
Chicago, IL 60645
Direct team contacts
"Having insurance is important — but having the right insurance is essential."