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. If you have any questions, please contact Don Philpott on 321.277.8442 or don@floridastateparksfoundation.org.

1)     D&O 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 and internet liability. Additional special coverage includes fundraising event blackout providing reimbursement for expenses incurred due to the cancellation of an event caused by a power outage (the event most 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 includes the majority of fund raising activities, gift shops and concession sales, inventory, personal and advertising injury, property damage if owned by the CSO and medical expenses.

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. Remember that volunteers and CSO members on park business are also covered by the DEP’s workers compensation.

The commercial crime coverage includes employee theft, forgery or alteration and inside premises theft of merchandise.

Most fund-raising events and activities are covered except for the following: events that involve more than 500 people at any one time; events that involve alcohol sold by the CSO; and events that involve black powder (i.e. battle re-enactments). These events can in most cases, still be insured but prior notice must be given to allow the insurer time to provide a supplemental addition to FSPF’s coverage. An additional insurance fee is required for these special events but is generally a lot less when attached to our policy than when the CSO negotiates it separately.


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