csc 2006 1 by penelope m rowe chief executive officer presentation to public utilities board commercial insurance review january 20 community services council newfoundland and labrador 2 checkbld growing demand people serving on boards of directors that coverage be in place protect them volunteers staff are becoming more aware the risks they assume while pursuit their duties organizations individuals understandably skittish about performing day courtesies wondering whether is adequate increasingly non profit voluntary concerned legal liability cost insuring against suits which positions responsibility may held liable for actions associated with organization 3 many groups do not have any 2004 conducted an online survey explore concerns related availability affordability 106 respondents 36 said operated without whatsoever few had a full range 68 at least some were predominantly larger incorporated mainly categorized as faith based
