Hi Listers. We have a conundrum. Our nonprofit serves as a resource for
local history organizations in our region and we’ve been debating whether
or not we need to purchase Directors & Officers Insurance, which would
protect individual board members (of which I am one) in the event we were
sued (say, by someone who slips and falls while attending an event we have
sponsored).  We put on workshops, conferences, outings and provide
resources, but we have neither a building nor collections. In spite of
that, we’ve been told we could still be sued.

The quote we’ve gotten for this coverage is $1,000/year, which is roughly
half of our annual budget! If we purchase it, we will have to do
fundraising to support it, and it won’t even provide programming to our
community. Do we really need this?

Does YOUR organization have it? Why did you decide yes or no? Ways to pay
less? Any anecdotes to help us decide? Please help!

--Perplexed in the Pioneer Valley of Massachusetts

--Kathie Gow

Curator, Hatfield Historical Museum     hatfieldhistory.weebly.com

Oral History Producer     wordspicturesstories.com

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