1. 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. 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. 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. 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. 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. 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. 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