Insurance for a Community-Based Team?

[Carol]

There are many teams and organizaitons that have insurance - MOE's 501c3, First State Robotics, has insurance that covers not just MOE but also the FTC, FLL, and JFLL programs that it runs. Instead of approaching insurance COMPANIES you should approach an independent insurance AGENCY who can write policies for any company. The agent will know which company will handle your needs.

For example, First State Robotics has coverage through Great American Insurance Co., which covers liability and executive liability (to protect the mentors and other adults). But we got it through a local agency, New Castle Associates.

I can give you more details if you PM me. And fair warning, this type of broad coverage is not cheap - expect to pay in the four figures.

Other teams such as Exploding Bacon has gotten coverage through organizations such as 4-H, if this is applicable to you.

[ebarker]

As Carol stated, dealing with an independent insurance agent is the way to go. Your local homeowners agent may be able to suggest a knowledgeable independent agent that has experience with non-profits and/or business.

The policy we got was $ 539. It was underwritten by The Main Street America Group.

Make sure you get coverage to protect the tenant and landlord against casualty and property.

It should be easy to find a good agent.

[Jimmy Nichols]

Great Information! Thank you much Carol and Ed. I personally use an insurance broker (independent agent) and I had not contacted my agent yet, as we were just starting the search and another mentor had taken ownership of the search when he hit upon the one agency who no-quoted him. But having the information from you-all will certainly make it a bit easier for us to locate someone.

THANKS!