Cohousing-L Mailing List: Re: Cohousing community work and Insurance

[John Carver (jcarver]

On 06/01/2016 4:37 PM, Carol Agate wrote:
> Our insurance broker said the D&O (directors and officers) insurance isn’t 
> restricted to directors and officers, but applies to everyone volunteering on behalf of 
> the association.

D&O doesn't cover anyone for accident. It's for people in positions of 
making decisions or taking actions that affect others. If your 
well-intended actions result in calamity you can be sued. That's what 
you need D&O for.

John Carver
Pacific Gardens Cohousing
Nanaimo, BC
http://pacificgardens.ca/