1

GOT THE RIGHT INSURANCE COVERAGE? ASSESSING YOUR ORGANIZATION’S

INSURANCE NEEDS

Presented in Partnership By

Paul Green Brooke Evans

PRESENTERS

• We specialize in tailoring Insurance Programs for Non Profit Organizations and their members.

• Original and largest program is with the National Trust for Historic Preservation.

• Partnership is designed to provide comprehensive competitive insurance solutions to individuals, affiliated organizations, and constituents of APPL.

• Act as a resource and risk management advisor to member organizations.

Who Are We?

2

What If…

• A visitor falls and is injured while enjoying the beauty of the land?

• A fire breaks out at the retail store and damages the store and its stock, closing it for months?

APPL Members Face Many Insurance Exposures

What If…

• A large donor of the organization is unhappy with the direction that management is taking, and sues the board of directors for mismanagement?

• A volunteer gets injured while doing work on the land on behalf of the organization?

KEY INSURANCE POLICIES

• Non-Profit Package

• Workers’ Compensation

• Directors & Officers

• Volunteer Accident

• Special Events

3

NON-PROFIT PACKAGE

•Property

•General Liability

•Professional Liability

•Abuse & Molestation

•Crime

•Automobile

•Umbrella

GENERAL LIABILITY

Common Liability Exposures For Public Land Organizations

Premises • Injuries to visitors • Outdoor Education Hazards Programs • Educational Programs, Institutes & Workshops for

People of All Ages • Special Events Management & Staff • Risk Transfer; Certificates of Insurance • Additional Insured Wording • Volunteers

WORKERS’ COMPENSATION

• Statutory Coverage

• Covers Medical Expenses & Lost Wages

• Rated Based on Payroll

4

DIRECTORS’ & OFFICERS’ LIABILITY

Who needs D&O coverage? Anyone serving on a Board of Directors for a company or organization.

Directors’ & Officers’ Liability

• Provides protection for the directors, officers, trustees, employees, volunteers, committee members, and the entity for failure to fulfill their duties or their responsibilities imposed by statute or other sources of law.

• Breach of these duties that results in financial damage can cause litigation.

Typical Claim Scenarios

• Management decisions

• Alleged misuse of funds

• Employment law

• Civil rights

• Regulatory action

• Solicitation of funds

• Personal injury

• Bankruptcy

• ERISA

• Anti-Trust

5

Employment Practices Liability Typical Claim Scenarios

• Work place discrimination based on age, sex, race, color, ancestry, place of origin or political beliefs

• Wrongful Termination

• Failure to Hire

• Sexual Harassment

• Retaliation

• Mental Anguish

• Emotional Distress

• In most states, volunteers are NOT covered by Workers’ Compensation insurance.

• A volunteer’s health insurance may provide initial coverage, but the company may subrogate against the organization.

• Volunteer AD&D extends medical benefits to the injured volunteer.

• Serves as a safety net for the gap in coverage.

• Coverage is very inexpensive.

VOLUNTEER AD & D INSURANCE

Special Events Coverage

• Festivals

• Concerts

• Meetings

• Promotions

• Conventions

• Farmers Markets

• Exhibitions

• Parades

• Celebrations

• Walking Tours

• Athletic Events

• Dinners/Dances

6

Special Events Insurance Concerns

• General Liability

• Liquor Liability

• Event Cancellation

• Weather

• Performers

• Vendors

• Volunteers

OUR APPROACH…

1. We understand the uniqueness of nonprofit public land partners.

2. We offer the best in product, price,

service and information because we address three key concerns:

• Liability Expertise

• Coverage enhancements important to your organization

• Expertise found nowhere else in the industry

7

• A checklist of potential risk areas to help you

determine where exposures might exist for your

organization

• Information for a complimentary insurance

review for your nonprofit organization

Thank you for participating in today’s webinar. Later this week you’ll receive an email from MDP Programs with:

INSURANCE SOLUTIONS FOR APPL MEMBERS

www.mdpins.com/appl.html

appl@mdpins.com

800.638.9202