There are more than 1.9 million nonprofits in the U.S. In the first of a two-part series, a nonprofit expert examines this booming market and the risks it faces.

As nonprofit organizations struggle to balance their missions against their budgets, they often feel as though they have a twin-size sheet for a king-size bed.

Helping nonprofits allocate claims to the most appropriate, cost-effective coverage can hold down overall coverage cost--especially important in today's tough economy.

Agents can serve their nonprofit clients by helping them identify the best options for insuring their unpaid workersthe volunteers who are such a valuable extension of the nonprofits human resources.