added to a D&O liability policy; general liability insurance policies usually do not respond these matters. Other risk exposures covered include libel, slander or defamation; invasion of privacy; wrongful entry or eviction; false arrest; false imprisonment; malicious prosecution; and infringement of copyright, or trademark or other unauthorized use of title; and plagiarism or other misappropriation of ideas. Prior acts also are covered under a broadly written policy, and the cost of legal defense will not reduce your available limits of coverage. The standard limit of liability is $1 million, but higher limits are available, depending on the organization’s risks. The policy should cost about $800/year, for a $1 million limit of liability. Both KSOC (est. $700) and CSC (est. $550) have D&O policies. Summary: Both CSC General Liability and D&O Liability policies cost $1200/year. Coverage for volunteer injuries State laws vary in terms of whether or not volunteers may be, or must be, covered under workers’ compensation. Where state law does not require that volunteers be covered, many organizations choose to purchase an accident medical reimbursement policy to protect their volunteers in the event they are injured. Can Waivers Prevent Volunteer Lawsuits? Source: Volunteer waivers can prevent lawsuits, but many won’t hold up in If a volunteer sues over an injury, a judge may say the waiver was too broad or more should have done to prevent injury. So what good are volunteer waivers? Even though waivers might not hold up in court, they are important because they Outline the risks involved with your specific volunteer work. Explain expectations or list necessary safety precautions. While waivers won’t be able to stop some lawsuits, all volunteers should sign one. At the very least, this will give time to talk face-to-face with new volunteers about safety and set the tone to establish a safe working environment.
added to a D&O liability policy; general liability insurance policies usually do not respond these matters. Other risk exposures covered include libel, slander or defamation; invasion of privacy; wrongful entry or eviction; false arrest; false imprisonment; malicious prosecution; and infringement of copyright, or trademark or other unauthorized use of title; and plagiarism or other misappropriation of ideas. Prior acts also are covered under a broadly written policy, and the cost of legal defense will not reduce your available limits of coverage. The standard limit of liability is $1 million, but higher limits are available, depending on the organization’s risks. The policy should cost about $800/year, for a $1 million limit of liability. Both KSOC (est. $700) and CSC (est. $550) have D&O policies. Summary: Both CSC General Liability and D&O Liability policies cost $1200/year. Coverage for volunteer injuries State laws vary in terms of whether or not volunteers may be, or must be, covered under workers’ compensation. Where state law does not require that volunteers be covered, many organizations choose to purchase an accident medical reimbursement policy to protect their volunteers in the event they are injured. Can Waivers Prevent Volunteer Lawsuits? Source: Volunteer waivers can prevent lawsuits, but many won’t hold up in If a volunteer sues over an injury, a judge may say the waiver was too broad or more should have done to prevent injury. So what good are volunteer waivers? Even though waivers might not hold up in court, they are important because they Outline the risks involved with your specific volunteer work. Explain expectations or list necessary safety precautions. While waivers won’t be able to stop some lawsuits, all volunteers should sign one. At the very least, this will give time to talk face-to-face with new volunteers about safety and set the tone to establish a safe working environment.