SCORE chapters, which use and maintain space in a federal facility, are not required to have general liability insurance while operating within the federal facility.
Chapters operating in non-federal facilities may be required to purchase liability insurance per the lease/landlord requests, and/or to meet the requirements of other organizations who have requested a certificate of insurance to cover a SCORE activity. SCORE chapters and branches often lease or use space at commercial or institutional facilities – for example, a chamber of commerce, library, church, bank, or other publically- or privately-owned building. Landlords or owners of these properties may ask for a certificate of insurance from the chapter. They want to know that they are protected if a claim arises from a party injured during a SCORE function.
- Chapters can purchase liability insurance through a local broker. This is a legitimate chapter expense that can be reimbursed by the SCORE Association and charged to the chapter’s annual budget allocation. This, of course, is limited by the size of the chapter’s budget.
- Chapters can participate in SCORE’s chapter-liability insurance program. The SCORE National Office administers an annual, voluntary-enrolment, liability insurance program. The policy year follows SCORE’s fiscal year, October 1st through September 30th and the premium is typically below those of single policies due to economies of scale.
- Chapters currently participating in this program are automatically renewed unless they request to be removed from the program during the open enrollment period.
- The annual open enrollment period for this program is in mid-September. Applications can be downloaded from SCORE.org (Accounting Category) during the open enrollment period. Enrollment applications are not accepted at any other time during the year. Premiums are automatically charged to the chapter’s annual budget allocation by the SAO.
SCORE chapters cannot agree to hold a landlord harmless.
- If a landlord or host of a location requests proof of insurance because the chapter occasionally uses the property for SCORE related business, a chapter should ask to be added to the landlord’s policy. The cost should be nominal to the chapter because space and the time would both be limited.
- Chapters participating in the National program have the ability to contact the insurance broker for a certificate of insurance when the chapter is required to submit proof of insurance to an organization that is hosting a SCORE activity.