аЯрЁБс>ўџ >@ўџџџ?џџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџьЅС[@ №ПWbjbj44 $&ViViI џџџџџџˆдддддддшААА8ш ш2, (T T T T Œ Œ Œ ”––––––$GR™цКдп ˆ ˆ п п КддT T 4Япппп .дT дT ”пп ”ппћтдд.T @TZ=|ХА :њ”х0,Gv.шшдддд.bдŒ Zц @п& 4Z …Œ Œ Œ ККшшD,„Н"шш,WHAT KINDS OF INSURANCE DOES A COMPONENT NEED TO HAVE? Because the AIA Trust offers numerous varieties of insurance to AIA members as well as components, we frequently receive questions from AIA components about chapter-specific insurance – such as event cancellation insurance and liability insurance.  Since many components do not carry this kind of insurance, there is not a sufficient market for the Trust to offer an endorsed product.  However, your component may need one of the following kinds of insurance and should pursue it accordingly.   Event Cancellation Insurance ASAE has teamed up with AON and has information you may find of interest on various kinds of exposure and insurance as well as application forms. Simply visit  HYPERLINK "http://www.asae-aon.com/" http://www.asae-aon.com/ for more information.  If you’re an ASAE member, you may want to visit their web site ( HYPERLINK "http://www.asaenet.org/" www.asaenet.org) for Meetings information.  They have several interesting articles about event cancellation, terrorism, and other meeting liability.  This may be an interesting issue for discussion among CACE as some do not find this insurance necessary or cost-effective. Directors and Officers Insurance & Fiduciary Liability Insurance Directors and Officers (D&O) Insurance coverage is offered through CNA/Schinnerer, the provider of the AIA Commended Professional Liability Insurance program as well as the Trust’s Business Owner coverage. In addition, a rider for Fiduciary Liability Insurance may be added for an additional percentage of the D&O premium. Most components do not need fiduciary liability unless they are making financial decisions related to ERISA programs, retirement investments, or similar decisions that could hold board members financially liable. Business Owners Coverage Components may want to investigate a business owners policy for their chapter, which they can get thru CNA/Schinnerer (888-867-9327).  This generally includes property and general liability, and riders can be added to include workers comp for component staff, business auto if used, umbrella liability, and even employment practices liability. Event Liability Coverage Event Liability Coverage is generally more important for a component to carry than event cancellation insurance. Frequently, folks talk about event cancellation insurance but this is much less necessary – a component needs to be covered in case something happens at the meeting and hence event liability is more useful; it is usually purchased just for the days needed for the meeting. Fortunately, for those components with a business owners insurance policy, this coverage generally extends to whatever location where a meeting is being held, although sometimes you may be required to add the meeting location as an additional insured.  You will need to verify this through your agent with your policy as well as with your meeting site. For components without an office, it may be best to find an agent in your state to purchase event liability insurance which is not offered by CNA/Schinnerer.  General Insurance Information The following insurance coverage is available to components through the AIA Trust: Life Disability Medicare Supplement Long Term Care Dental Short-term Medical Accident Auto/homeowners Business Owners Insurance To find out more about Business Owners Insurance available through the AIA Trust by CNA/Schinnerer, please call 888-867-9327. Any AIA Component that is not currently enrolled for the Directors and Officers Insurance and is interested in obtaining this insurance may contact Lorrie Tallman, who is the agent for AIA's Directors and Officers insurance package, for more information. 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