Table of Contents

1 Are You Protected? by Leslie T. White

3 From the President

5 Volunteer Protection Act

7 Risk Management: An Asset for All by Laura Alex

12 The Basics of Liability Insurance by Charles Tremper & Pamela Rypkema

18  Water Event Coverage Available

19  Employee Benefit Insurance by Susan Schwartz

22 Selecting an Insurance Broker by Deborah D. Tompkins

24 Voices from the Field

26 Glossary of Terms

30  Resources & References

31  River Network Partnership