Lamb is dedicated exclusively to nonprofits and human service organizations. We provide property, casualty, and risk management solutions to organizations of any size and budget. Your protection is our mission.


  • Damage to buildings owned, leased, vacant or under construction
  • Damage or theft of business personal property
  • Loss of business income resulting from the above
  • Theft of your money and securities
  • Theft of your clients’ property
  • U.S.A and world-wide


Defense of and Damages for Your Actual or Alleged

  • Director’s and Officer’s liability
  • General Liability
  • Professional liability
  • Medical malpractice
  • Educators’ errors & omissions
  • Student injuries
  • Employment practices liability
  • Cyber or privacy liability
  • U.S.A and world-wide
  • Wrongful acts of your directors and officers resulting in financial damages
  • Errors and omissions in the management of your ERISA, health and welfare plans
  • General negligence for bodily injury, property damage, and personal injury arising out of organization’s operations
  • General negligence occurring when building or renovating a new location
  • Sexual abuse and molestation liability
  • Special events liability, including liquor liability

Cyber Liability

Coverages Available



  • Network Security and Privacy
  • Regulatory Investigations, Fines and Penalties
  • Media Liability
  • PCI DSS Assessment Expenses
  • Breach Management Expenses
  • Business Interruption
  • Contingent Business Interruption
  • Digital Asset Destruction, Data Retrieval and System Restoration
  • System Failure
  • Social Engineering & Cyber Crime
  • Reputational Loss
  • Cyber Extortion and Ransomware
  • Breach Response and Remediation Expenses
  • Court Attendance Costs

Workers' Compensation

Workers Compensation
  • Medical bills, wage indemnity, rehabilitation and disability benefits as required by workers compensation statutes
  • Defense and damages for your actual or alleged negligence for employee injuries
  • Coverage for the medical bills when a volunteer is injured while in your care, custody, or control.
  • State-required disability benefits

Risk Management

Risk Management
  • Fleet management review – LENS, GPS, defensive driver training, maintenance checklist
  • Return to work programs
  • Claim Reviews
  • SCIP training, lifting and driver safety in conjunction with your insurance carrier
  • OSHA reporting and recordkeeping
  • Accident investigation training
  • Compliance audits
  • Risk identification and assessment
  • Training on topics such as timely reporting of claims, sexual harassment, safety culture, post injury management, proper lifting
  • Contract reviews – insurance requirements, additional insured requirements, indemnification agreements
  • NY code rule 59 and 60 accreditation and implementation – resulting in safer work environments and significant workers compensation insurance credits
  • Procedure and policy review and development
  • Business continuity planning
  • Medical retention programs

Service to Rely On

Service To Rely On


  • 24-hour claim reporting and 48-hour receipt of claim number
  • 24-hour maximum response time to certificate, auto identification cards or any other type of request or inquiry
  • Claim triage, tracking, and advocacy – tracking adverse development and resolution
  • Claim reserve reductions on larger claims
  • Medical bill review
  • Periodic review and analysis of all open claims – trending, causation, lag time, reserve reductions
  • Workers compensation experience modification analysis
  • Defense counsel assignment