CSO Insurance Benefits

Florida State Parks Foundation is pleased to offer all CSOs who are members of the Foundation the following two statewide insurance coverages 1) Directors and Officers Liability (D&O) and 2) General Liability coverage, as part of their membership.

When running your CSO operations or planning and executing your fantastic and varied fundraising activities, know that the majority of them are covered. However, there are some exceptions that will require supplemental coverage to our policy, and that takes advance notice and may require an additional premium to be paid by the CSO, though this is generally much less than if the CSO negotiated it separately.

 If you have any questions, please contact Stacie Linley at stacie@floridastateparksfoundation.org.

1)     Directors & Officers Policy

Covers all member CSOs under a Flexi Plus Five policy through Philadelphia Insurance Companies. The policy has a liability cap of $3,000,000 per each policy period. The policy covers directors and officer’s liability:

  • in the execution of their duties
  • wrongful acts
  • fiduciary liability
  • workplace violence
  • identity theft expenses
  • internet liability
  • fundraising event blackout providing reimbursement for expenses incurred due to the cancellation of an event caused by a power outage (the event must have been planned at least 30 days prior to the outage)

    2)     Commercial General Liability and Commercial Crime Coverage

    This policy covers most areas of liability arising from CSO operations including:

    • gift shops and concession sales
    • inventory
    • personal and advertising injury
    • property damage if owned by the CSO
    • medical expenses
    • fundraising activities and events with these EXCEPTIONS:
      • Parades sponsored by the Insured/CSO chapter
      • Aircraft
      • Motorcycle runs and automobile rallies
      • Fireworks - exhibitors operated by the Insured/CSO chapter.
      • Firearms
      • events that involve black powder (i.e. battle re-enactments)
      • Animals - other than house pets
      • Carnivals and fairs with mechanical rides sponsored by the Insured/CSO chapter
      • Rock, Hip-hop or Rap concerts - with admission over 500 people
      • Events including contact sports
      • Rodeos sponsored by the Insured/CSO chapter
      • Political Rallies
      • Any event lasting more than 5 days (including otherwise acceptable events)
      • Any event with greater than 500 people at any one time (including otherwise acceptable events)
      • Any event with liquor provided by the Insured/CSO chapter if a license is required for such activity
      • Any activities by third party telemarketing, direct mail, or internet advertising (including spam) firms

      Some of these events can still be insured, but PRIOR NOTICE of ONE MONTH must be given to allow the insurer time to provide a quote and subsequent endorsement of this supplemental coverage. The CSO chapter may incur a separate fee for this supplemental coverage but it is generally much less than if the CSO negotiated it separately.

      General liability is limited to $1,000,000 for each occurrence, for personal and advertising injury $1,000,000, general aggregate limit $2,000,000, products and completed operations aggregate limit $2,000,000, rented to you limit - $100,000, and medical expenses (any one person) - $20,000. Note that volunteers and CSO members on park business are also covered by DEP’s workers compensation policy.

      The commercial crime coverage includes:

      • employee theft
      • forgery or alteration
      • theft of merchandise (inside premises)

        If you have any questions, please contact Stacie Linley at stacie@floridastateparksfoundation.org.

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