People

Lloyd Brown

Risk Consultant – K-12 Independent Schools

USI Insurance Services LLC

Lloyd Brown is a certified school risk manager. He specializes in advising independent K-12 schools on risk management, property and casualty insurance, and financial stewardship.His expertise encompasses comprehensive risk assessment, crisis management planning, and the development of sustainable insurance strategies that protect educational institutions' financial health and operational continuity.A graduate of Florida State University with a degree in psychology, Lloyd holds multiple professional designations including the Certified School Risk Manager (CSRM) and Chartered Property Casualty Underwriter (CPCU).

Online Courses

Budget Meets Mission: School Finance for Non-Business Leaders

Understand the independent school business model, learn to be a good steward of your school's financial resources and work more collaboratively around financial issues.
Engaging in Difficult Conversations with Employees

Learn to engage with employees in an empathetic manner while still clearly conveying important information and safeguarding your school from liability.
Human Resources Fundamentals for Independent Schools

Learn how to address day-to-day human resources challenges such as evaluation and termination, FMLA, the ADA and employee classification.
Leave Law Boot Camp

Learn about best practices related to employee leave and how federal leave laws intersect and overlap.
Long-Range Financial Modeling

Learn how to customize and manipulate NBOA's Long-Range Financial Model, a powerful financial planning tool for your school.
Measuring Financial Health with the Composite Financial Index

Calculate your school's Composite Financial Index (CFI) score — a tool trusted in higher education for decades — and learn how you can use the score and its 4 underlying ratios to think strategically about your school's financial strengths and weaknesses.
Nonprofit Accounting Fundamentals for Independent Schools

Learn the fundamentals of nonprofit accounting and reporting by exploring governance structures, internal control strategies, financial statements and compliance essentials.
Payroll Best Practices for Independent Schools

Learn about best practices related to payroll including employee classification and overtime pay, deductions and taxability and the complexity of calculating a faculty member’s final paycheck when they leave mid-year.
Safeguarding the Future: Enterprise Risk Management

This course will equip school leaders to identify, document and strategically manage the risks facing independent schools. It covers the principles of enterprise risk management (ERM) and provides tools and resources to institute an ERM program.
Stewarding Donor Dollars: Financial Principles for Contributions

Learn best practices related to gift reporting, compliance and donor stewardship, as well as how to develop a successful and strategic partnership between the financial and development functions at your school.
Strategic HR Leadership

Learn to develop and communicate your school's personnel management strategy and to be responsive to a changing market.
The Business and Art of Financial Aid

Learn tactical best practices related to the financial aid process to enhance the strategic partnership between the business and admissions offices and ensure long-term success.
Wage and Hour Boot Camp

Learn the ins and outs of wage and hour law, including the aspects that are unique to educational environments.

Past Webinars

There's More Room for Change Than You Think This item is protected

April 24, 2026

To stay competitive in today’s educational landscape, independent schools should modernize spaces by aligning with evolving pedagogical trends and technology advancements. Learn how existing spaces can be transformed to better serve a campus community.
Effortless Efficiency: Payroll to Performance This item is protected

April 13, 2026

Efficiency is paramount through the entire Human Resources function. In this webinar, HR leaders and business officers will explore how to streamline workforce management from payroll processing to performance evaluation.
Mission (and Margin) Possible: Leveraging Campus Assets This item is protected

March 30, 2026

From summer programs and rentals to strategic partnerships, schools can unlock new income streams. This webinar explores practical strategies to maximize underutilized assets, assess operational readiness, and design sustainable initiatives.
Blending Respect and Efficiency in the Business Office This item is protected

February 20, 2026

Join members of NBOA’s volunteer Human Resources Council for a practical discussion on strategies to safeguard your working hours without compromising collegial relationships —all while saving time.
Facing the Aftermath of Disaster: Lessons & Preparedness Strategies This item is protected

February 6, 2026

Hear firsthand experience navigating the Palisades Fire and discover practical lessons in evacuation, business continuity, board governance and emergency response planning to help your organization prepare for the unexpected.

Net Assets Articles

Past the Pandemic Bounce: Five-Year Financial Trends that Should be Informing Your Strategy

May 5, 2026

Key financial indicators analyzed in the latest “Financial State of the Industry” report show some gains for the sector and also areas to train our attention.
Building an AI-Ready Workforce: Tools and Resources This item is protected

May 4, 2026

An AI job opportunity heatmap compares job descriptions and AI and human capabilities to offer independent school leaders a practical framework for workforce planning.
Governing AI Integration: An Inventory Tool for Leaders This item is protected

April 30, 2026

A structured inventory and heat map can help school leaders see where AI is creating value, raising risks and needs clearer guidance.
A Rubric To Ensure PD Dollars are Mission-Aligned This item is protected

April 28, 2026

A systems-level approach and practical rubric will help ensure spending on professional development aligns with institutional priorities and outcomes.
6 Steps to Future-Proofing Independent Schools This item is protected

April 27, 2026

This six-pillar framework, developed by a cohort of the NBOA Leadership Academy, helps independent schools shift from reactive decision-making to intentional, long-term sustainability.

FEATURED

Benchmark Against National KPIs with the Latest Financial State of the Industry Report

A research report analyzing trends across 18 key financial and operational indicators over five years. Use this report to benchmark performance, stress-test assumptions and make informed decisions, as external forces continue to challenge long-term financial sustainability.

RECENT DISCUSSIONS

NBOA CAREERS

Developmental Specialist: R.O.A.R.S. Coordinator

The Catherine Cook School
Head Varsity Coach, Girls’ Ice Hockey

The Hun School of Princeton
Chief Financial Officer

Old Trail School

VISIT CAREERS

Lloyd Brown

Online Courses

Budget Meets Mission: School Finance for Non-Business Leaders

Engaging in Difficult Conversations with Employees

Human Resources Fundamentals for Independent Schools

Leave Law Boot Camp

Long-Range Financial Modeling

Measuring Financial Health with the Composite Financial Index

Nonprofit Accounting Fundamentals for Independent Schools

Payroll Best Practices for Independent Schools

Safeguarding the Future: Enterprise Risk Management

Stewarding Donor Dollars: Financial Principles for Contributions

Strategic HR Leadership

The Business and Art of Financial Aid

Wage and Hour Boot Camp

Past Webinars

There's More Room for Change Than You Think This item is protected

Effortless Efficiency: Payroll to Performance This item is protected

Mission (and Margin) Possible: Leveraging Campus Assets This item is protected

Blending Respect and Efficiency in the Business Office This item is protected

Facing the Aftermath of Disaster: Lessons & Preparedness Strategies This item is protected

Net Assets Articles

Past the Pandemic Bounce: Five-Year Financial Trends that Should be Informing Your Strategy

Building an AI-Ready Workforce: Tools and Resources This item is protected

Governing AI Integration: An Inventory Tool for Leaders This item is protected

A Rubric To Ensure PD Dollars are Mission-Aligned This item is protected

6 Steps to Future-Proofing Independent Schools This item is protected

FEATURED

Benchmark Against National KPIs with the Latest Financial State of the Industry Report

RECENT DISCUSSIONS

NBOA CAREERS

Developmental Specialist: R.O.A.R.S. Coordinator

Head Varsity Coach, Girls’ Ice Hockey

Chief Financial Officer

Become an NBOA Member