1. Washington Native Plant Society Coverages and future Options
Non Profit Insurance
Washington Native Plant Society Coverages and future Options

2. WNPS Current Coverages
General Liability Coverage = Insurance designed to protect business owners and operators from a wide variety of liability exposures. Exposures could include liability arising from accidents resulting from the insured's premises or operations, products sold by the insured, operations completed by the insured, and contractual liability.
Current policy includes:
General Liability Non Owned Auto Coverage Property damage coverage Medical coverage per incident

3. Current Coverage # 2
Directors & Officer Coverage = Protection against a breach of "duty" by the directors and officers. D&O pays for actual or alleged wrong decisions, what the policy calls "wrongful acts." Although each insurer defines coverage in its own way, D&O insurance generally includes: "any actual or alleged act or omission, error, misstatement, misleading statement, neglect or breach of duty by an Insured Person in the discharge of his/her duties."

4. WNPS Current Insurance Policies
Philadephia – D&O Coverage (Directors & Officers)
1) Non Profit Directors & Officers Liability Insurances
2) Employment Practices Liability
3) Fiduciary Liability Insurance ) Work Place Violence Insurance
5) Internet Liability Insurance
Liberty Mutual General Liability
Includes:
General Liability - $1,000,000
Employment practices waived
Some Property coverage for office premises included.
Hired auto coverage
Some medical coverage per occurance

5. Current policy Issues Philadelphia D & O Policy
Consistent coverage year over year.
Annual premium has remained flat for 4 years
Rate = $1,172 per year
Renews in May annually
Liberty Mutual – General Liability
Significant increase in 2016 after review by our Insurance agent.
Prior policy was based on 300 members and in place since 1997; and after viewing our website, was upgraded to members.
2015 Policy Cost= $ Policy increased to $2,058

6. WA Non Profit Insurance Alliance - ANI
In researching alternate options for insurance –
Insurance designed for the non profit sector
Group policy – which provides for shared resource amongst non profit sector
Comprehensive services for many insurance products
Complete & updated risk management resources for non profit operations
Ease in claim processing
Relatively young company, developed in California – branching to additional states
In California offering rebates for unused premiums to non profits
Funded by a grant from Bill & Melinda Gates Foundation and Paccar Family Foundation in Washington – starts ANI program
Comprehends and designs programs fit for the non profit sector

7. Research Forward – Comparative Programs
Liberty Mutual General Liability American States Insurance Co.
General Liability coverage for incidents up to $2,000, general aggregate.
Each occurance $1,000,000
Damage to premises $1,000,000
Medical expenses $10,000
Personal & adv injury $1,000,000
Hired Auto General Liability $1,000,000
Stop Gap – Employee Liability $1,000,000
Includes rental property coverage $100,000
ANI General Liability
General Liability* coverage for incidents up to $2,000, general aggregate.
Each occurrence $1,000,000
Damage to premises $1,000,000
Medical expenses $20,000
Personal & adv injury $1,000,000
Hired Auto General Liability $1,000,000
Stop Gap – Employee Liability $1,000,000
Requires additional Property insurance for rental office premises - $ for $500,000 coverage
*includes Alcohol coverage

8. Directors & Officers Comparative Quotes
Philadelphia
Coverages are essentially the same, with similar resource libraries available
Resources include, Intellicorp background checks, Risk management support, Employment law resources
Cost $1,172 annually
ANI
General coverage for Directors and Officers, comparable to the existing coverage, however the difference surrounds the

9. Additional Information
Assured Partners Insurance or Redmond General Insurance Company
Represents Liberty Mutual, Philadelphia, American States, and ANI Insurance Companies
Comprehensive broker services with a base of Non Profit Clients, Bob Russell, Agent
This organization comes highly recommended by the ANI organization, as per Vice President of Marketing and Sales.
Bob Russell recommends ANI for the following reasons:
-”ANI is by far my favorite due to service, claims adjustment, member resources like risk management materials and its dedication to the non-profit sector.”
ANI is recommended by the Washington Non Profit organization.
As Assured Partners also represents Philadelphia, and Washington Native Plant Society has a standing policy with Philadelphia, at a significantly lower rate than can be obtained through ANI, Bob recommends remaining with Philadelphia, recognizing that the “Claims made basis” clause could create an issue if discontinued.
Not carrying D&O coverage with ANI does reduce the Employment Law resources available, however Philadelphia does provide some similar resources, which Bob’s firm could assist in acquiring.

10. Assessment
The existing broker for WNPS has limited interest in providing services in the non profit sector. Requests tend to be driven towards sales of additional insurance policies or coverage which are not needed.
A new broker relationship will advance the support needs of WNPS as a non profit, and make additional resources accessible.
ANI provides group coverage with other non profits and the potential of future programs rebating unused premiums in the State of Washington.
ANI provides risk management resources and more comprehensive coverage than the current Liberty policy, with only $ difference annually.
Directors and Officers coverage with Philadelphia is currently stable. This low cost coverage is makes more sense to retain at this time.
Additional research of the resources available in the Philadelphia program is needed to take full advantage of the product.
While the additional resources available in the ANI D&O program are very attractive, the cost is prohibitive at this time.

11. Requested Recommendations
Questions and comments?
It is possible to split from the existing Liberty Mutual agreement at 6 months, with refund of unused premium, if it was deemed desirable to move forward.
Recommend Executive Committee final decision regarding ongoing coverage for the society.
Moving forward with ANI in place of Liberty Mutual will increase insurance budget to $3, annually
for General Liability, Property, and Directors and Officers coverages.