160: Indiana vs Minnesota Throwdown | Can Business Interruption Insurance Help Nonprofits Who Closed During ICE Raids? With Cody Wiswasser

Your nonprofit closed its doors because of ICE enforcement or federal funding cuts. Is there an insurance policy that could actually help? Maybe, but the answer is a lot more complicated than you'd hope.

In this episode, I'm joined by Cody Wiswasser, an insurance professional at Community Partners Insurance Group, to dig into my questions. With so much uncertainty hitting nonprofits right now, I needed to know whether business interruption insurance is something my clients should actually be thinking about.

Here's the situation:

Can nonprofits get business interruption insurance? Are closures for ICE raids or funding cuts covered?

Cody breaks down how business interruption coverage works, what it actually takes to file a claim, and why the fine print in your policy matters.

What You'll Learn:

• What business interruption insurance is and whether your nonprofit qualifies
• The difference between standard and standalone coverage
• When a closure actually triggers a claim and when it doesn't
• How your nonprofit's specific mission affects your coverage options
• Why you need to understand your coverage BEFORE filing a claim

Bottom line: Insurance isn't a magic bullet, but it DOES matter for nonprofits. For nonprofits that qualify, business interruption coverage could be important for them.

Resources from this Episode

• Learn more Community Partners Insurance Group at https://communitypartnersins.com
• Contact Cody for your insurance needs at [email protected]
• Which States Are In The Midwest? Get mad here: https://fivethirtyeight.com/features/what-states-are-in-the-midwest/
• Previous Episode: Can You Use Your Retirement Funds to "Invest" In A Nonprofit? With Jeff Beck: https://birkenlaw.com/charity-therapy-podcast/159-invest-retirement-funds
• Episode Transcript: https://birkenlaw.com/wp-content/uploads/2026/03/CT160_Transcript.pdf

Connect with Us

• Jess Birken: https://www.linkedin.com/in/jessbirken/
• Cody Wiswasser – reach out at: [email protected]

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