Pitch In, Get Sued

Here's how to check your insurance coverage to make sure your good deeds go unpunished

Maybe it's guilt. Maybe it's genuine charity. No matter. At this point in an economic cycle, with the stock market up and people working and feeling well off, volunteerism tends to get a lift as those with good fortune seek to give back to their community. Incredibly, though, some volunteers find out too late that they are grossly underinsured and, after a lawsuit, must give back way more than they had planned. Consider the unhappy plight of four volunteer directors for the St. Thomas Irish Channel Consortium, which sponsors social programs in New Orleans. The group's board authorized purchase of directors'...

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