In my experience, which is not in Canada, D&O insurance is really expensive for not much programming, and not much more to add seemingly risky activities like education and riding.  The best way I know of to get the rate down is to get under the umbrella coverage of a bigger organization.  But that can be tough to do if you are a registered non-profit organization.
-Scott


On Fri, Feb 22, 2013 at 2:38 PM, Geoff Heath <mech@thewrench.ca> wrote:
hey folx
I'm wondering how much $$$ other non-profit shops (particularly Canadian ones) pay for general liability and Board of Dir. insurance.  All the quotes I've gotten thus far seem unreasonably high for our lil operation.  We don't do any organized riding on the street with youth, nor do we have any employees so I'd assumed it would be affordable.  Is there such a thing as an altruistic insurance provider?
Any advice or resources would be appreciated.
Cheers
Geoff @ The Bike Dump in Winnipeg
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--
Scott TenBrink
Executive Director
Fitness Council of Jackson
225 North Jackson St.
Jackson, MI 49201
(517) 990-9798
scott@fitnesscouncil.org
www.fitnesscouncil.org
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