Grantors frequently require specific coverage and limits. Check the terms before accepting.
General liability usually covers claims against them; their own injuries typically aren't covered by workers' comp.
Not always, particularly off-site or alcohol-serving events. Special events cover fills the gap.
Employee dishonesty. Small teams handling donated funds with limited controls is the classic pattern.
Board members can be sued personally. Volunteer status is not a defense, and many won't serve without it.
