MetRisk Services — Commercial Insurance & Risk Management
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Industries · Human Services & Nonprofits

Every premium dollar here is a dollar of mission.

A directors & officers or employment claim the board never budgeted for — defended out of program funds, in an organization where every dollar was already spoken for.

Book a 15-minute call What we'd look at first

Flat-fee advisory. We don't sell the policies.

Our fee is the same whatever your premium does, and every broker commission on your program is disclosed to you in writing.

The terrain

What makes human services & nonprofits risk different.

Board exposure nobody priced

D&O and employment practices claims land on organizations least able to absorb them — and board members' personal assets sit behind thin limits.

The populations you serve

Social services and foster care carry abuse and molestation exposure that requires specific coverage, specific protocols, and a paper trail that predates any allegation.

Volunteers and mixed workforces

Volunteers, per-diem staff, and contractors blur every line an insurance policy draws. Who is covered doing what needs answering before the incident.

Funder-constrained premiums

When premium comes out of program budgets, every dollar of rate is a dollar of mission. The case for managing risk deliberately is strongest here.

The system, applied

Which instruments carry the weight here.

See what your human services & nonprofits program actually costs you.

Your program, your loss record, and where the money is. Fifteen minutes, no deck, no obligation — you keep the findings.

Michael Stoop
Book a 15-minute call

Fifteen minutes with Michael Stoop, our founder. Nothing to prepare — bring the question you can't get a straight answer to.

Pick a time Get a free policy review

Or call us now — 347.252.6150

Not ready for a conversation?

Wrong time of year?

Tell us the date your program renews and we'll follow up with you 120 days before it — the point where there is still time to run a real process.

Take the blind-spot check

Ten questions about your own program, answered from memory in ninety seconds. Nothing uploads.

Get one policy reviewed, free

Send the policy you are least sure about. We read it against how you operate and send back the three findings with the most at stake, each tied to its page.

Run your own loss pick

Premium and losses in, your ratio against the 50% line out — one year is enough. Nothing is submitted to anyone.

Walk a full engagement

A sample account, start to finish — the blueprint, the gaps, the scored quotes, the decision. Judge the work before the pitch.

  • Flat annual fee — never a percentage of your premium
  • Broker commission disclosed on every quote, in writing
  • No contingency payments, overrides, or profit-sharing