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The Advocacy Liability Insurance Conundrum – David Skriloff

The Advocacy Liability Insurance Conundrum - David Skriloff

For family caregivers, the role can be both rewarding and trying. Not only must you juggle providing physical care for your loved one with managing day-to-day activities, there is a larger factor of protecting yourself from legal liability if something were to go awry. Advocacy Liability Insurance helps provide that protection in many situations but determining whether or not you need it and what type of policy will cover all potential scenarios can be complicated. In this blog post, David Skriloff takes an in-depth look at the ins and outs of advocacy liability insurance to help you understand when it’s necessary and beneficial for both you and your loved one.

David Skriloff On The Advocacy Liability Insurance Conundrum

The Advocacy Liability Insurance Conundrum, as per David Skriloff, is one of the most complex and difficult to navigate issues facing nonprofit organizations today. As nonprofits often must balance limited resources with their mission to serve a specific constituency, it can be difficult to determine if and how much coverage should be purchased.

In general, advocacy liability insurance covers legal expenses incurred in defending an organization’s actions or statements related to its advocacy activities—information that is published, distributed, or otherwise disseminated by the organization. Such activities might include lobbying for legislative change, advocating for social justice causes, or engaging in public education campaigns on topics relevant to the organization’s cause. The primary benefit of obtaining this type of insurance coverage is protection against financial loss resulting from legal action taken against the organization.

However, there are numerous factors that must be considered when determining which type of policy is best for an organization’s particular situation:

• The scope and size of the advocacy activities being undertaken;

• The potential for legal liability associated with such activities;

• The organization’s overall financial resources;

• Any existing coverage already in place through another policy; and,

• Any specific needs or requirements related to the policy itself.

Given these complexities, it is important, as per David Skriloff, for organizations to consider all their options carefully before deciding on a course of action. Furthermore, even if an organization does decide to purchase insurance coverage for its advocacy work, it should also evaluate how well the policy meets its needs and determine if any additional coverage is necessary. This can be a complicated process, so it is important to consult with an experienced insurance agent or broker who can provide guidance in navigating the different available policies.

Statistics And Real Life Example

1. According to the Insurance Information Institute, advocacy liability insurance is estimated to cover up to $2 million in legal costs for most organizations.

2. According to a study by Nonprofit Risk Management Center, approximately 20 percent of nonprofits have some type of advocacy-related coverage.

In August 2019, an animal rescue organization was sued after the organization posted a video criticizing local authorities and their handling of animal abuse cases. The organization had purchased advocacy liability insurance prior to this incident which covered their legal costs and allowed them to successfully defend themselves against the lawsuit brought against them.

David Skriloff’s Concluding Thoughts

Ultimately, the decision of whether to purchase advocacy liability insurance should be based on each organization’s particular circumstances and risk management strategies. It is important for nonprofit organizations to understand their risks and evaluate the potential financial impacts of most actions they take. According to David Skriloff, by considering all their options, organizations will be better equipped to make informed decisions when it comes to protecting themselves from legal action related to their advocacy activities.