This matches my understanding of the situation as well.  We investigated this for our synagogue a few years back with the help of a lawyer in the congregation and she was adamant that we buy D&O insurance.<br><br>Dave<br>

<br><div class="gmail_quote">On Mon, Sep 24, 2012 at 8:34 AM, Ellis Farmer <span dir="ltr"><<a href="mailto:saxywolf@gmail.com" target="_blank">saxywolf@gmail.com</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">

I spoke with Josiah's State Farm insurance agent, Diane Brant, and she clarified what was the negative answer I remember receiving from my State Farm insurance agent, Joe Brady.<br><br>Home Owner insurance may or may not include umbrella coverage to cover you if you are sued as an individual.<br>





<br>Home Owner nor umbrella coverage would cover you if the board is sued.<br><br>Ergo, we do need to get D&O insurance.  Also, officers should check with their agent to see if they are covered if someone sues them personally.<span class="HOEnZb"><font color="#888888"><br>





<br>-Ellis<br>
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<br></blockquote></div><br><br clear="all"><br>-- <br><font><font face="Verdana">David L. Smith, Ph.D.<br>Chief Scientist<br><br><img src="http://www2.davincisciencecenter.org/wp-content/uploads/2011/04/Logo-Mark-for-E-Mail-Signature.png" height="116" width="257"></font></font><font face="Verdana"><span style="font-size:10pt"><br>

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