What It Covers

This is a general commercial liability policy. It is not accident insurance. This policy covers expenses related to a legal claim against your group due to your operations. (Looking for caller’s insurance instead? Click here.)

Coverage is $2,000,000 per occurrence, with an aggregate limit of $4,000,000 for the policy; directors and officers (D&O) insurance and terrorism coverage are not included.

There are additional coverages of

  • $300,000 premises rented to you limit (any one premise)

How It Works

The insurance year runs May 1—April 30.

The cost is $700, $900, $1050, or $1200 for full year coverage (including Affiliate membership dues), depending on how many events you are covering, or $75 per calendar day. Neither fee is refundable after your coverage begins. Please allow two weeks for processing your application. If you require a certificate sooner than that, please let us know. We will send you certificates of insurance as soon as we receive them from our insurance agent.

  • Affiliation

    • Receive all issues of CDSS News magazine
    • Inclusion in the CDSS Group Directory and events calendar
    • 50% discount on News ads
    • 10% discount on CDSS Store items; items also available for resale
    • Priority admission and Matching Scholarships for CDSS camp programs


  • Affiliation + 501c3

    • All Affiliate member benefits
    • Federal nonprofit tax exempt status (useful for nonprofit bulk mail permits, tax-exempt donations, discounted venue rentals, and more)


  • Affiliation + Insurance

    • All Affiliate member benefits
    • Group liability insurance, based on the number of days insured per year

    1-20 days: $700
    21-40 days: $900
    41-70 days: $1050
    71+ days: $1200

  • Affiliation + Insurance + 501c3

    • All Affiliate member benefits
    • Group liability insurance
    • Tax-exempt status

    1-20 days: $775
    21-40 days: $975
    41-70 days: $1125
    71+ days: $1275

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