Word: civics
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...isolated case. Little League coaches in Runnemede, N.J., settled a suit for $125,000 after a fly ball injured an outfielder. In Stillwater, Okla., Karl Oltmanns, 68, a volunteer civic-group treasurer, paid $43,000 out of pocket to settle a funds-mismanagement case after his organization inadvertently let its directors' insurance lapse. On the nightmare chart, such cases rival a date with Freddy Krueger...
Check on that first. A small charitable or civic group should have general-liability insurance of $3 million to $5 million and directors' and officers' insurance of $1 million to $3 million. Your second line of defense is your homeowner's policy, which typically protects you up to $500,000. Beyond that, you should have a personal umbrella policy of at least $1 million. The umbrella policy is key because it protects you from a wider range of mishaps than simple homeowner's insurance does. When reviewing your policy, take a close look at the section on exclusions. Does...
...goods store in Prescott, Ariz., at the turn of the century. The town bluenoses, so the story goes, got word that one of Morris' salesgirls had once been a hooker, and a group of housewives descended on the store to demand that she be fired as an act of civic hygiene...
...election of Harris, a member of the Cambridge Civic Association (CCA), capped a dominant showing for the party in the School Committee elections: The top two vote-getters, Alice L. Turkel and Susana M. Segat, are both CCA members, and Harris' victory gave the party a two-seat majority on the six-member committee...
During his time on Wall Street, Rubin's longtime support for the Democratic Party grew into a serious commitment. He immersed himself in civic affairs and was actively involved in three successive presidential elections...