MELANIE L. HERMAN is the executive director of the Nonprofit Risk Management Center, a management assistance organization that provides informational resources, technical assistance, and training to an estimated 20,000 nonprofits annually. Before her appointment as CEO of the Center in 1996, she served on the senior management team at the National Legal Aid and Defender Association, where she directed the association's development, membership, and communications activities. She has authored and coauthored more than a dozen books on risk management in nonprofit organizations. GEORGE L. HEAD, PhD, holder of several professional designations in insurance, safety, and risk management, has been a risk management educator for over thirty years. Since retiring from an award-winning career at the American Institute for Chartered Property Casualty Underwriters, he continues to write, consult, and serve as a Special Advisor with the Nonprofit Risk Management Center in Washington, D.C. PEGGY M. JACKSON, DPA, CPCU, is a founding partner of Fogarty, Jackson & Associates in San Francisco. She has coauthored three previous books on risk management in nonprofit organizations. TONI E. FOGARTY, PhD, is an Associate Professor in the Human Resources and Organization Development program at the University of San Francisco, where she teaches courses in organizational behavior and change, research methods, data analysis, and business fundamentals. She is also a general partner and CFO with Fogarty, Jackson & Associates in San Francisco.