What if we can’t afford D and O insurance?

If D&O insurance premiums are out of reach, your board may find some protection via riders to home owner insurance policies.

• Have board members contact their insurance company to ask about riders covering volunteer service
• If a board member is able to purchase a rider, they can be reimbursed for the expense. They must be able to provide documentation indicating the exact cost of the rider.

The organization can provide the best protection for board members by acting responsibly in creating adequate policies and controls and taking them seriously.