How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask Law Pro Your Own Question
Law Pro
Law Pro, Attorney
Category: Legal
Satisfied Customers: 24869
Experience:  20 years legal practitioner: real estate, collections, estate, civil, business, and criminal law
11688690
Type Your Legal Question Here...
Law Pro is online now
A new question is answered every 9 seconds

Simple question, not sure if it necessarily belongs in the

Resolved Question:

Simple question, not sure if it necessarily belongs in the "Law" category, but here goes...

I am going to be doing some volunteer work for a 501c3 of which I am an officer. We are a charitable organization dedicated to educating the public and providing rescue/adoption services for exotic birds. I will be doing adoption clinics at local big box pet stores. At these clinics I will have a couple of my birds. They're very well-behaved and highly unlikely to bite, but they ARE animals and therefore not 100% predictable. I would like to protect myself with personal liability insurance so that, in the unlikely event of an incident at one of these clinics, I am protected.

Will adding a personal liability or "umbrella" rider on my homeowner policy protect me in a situation like this? If not, is there some insurance vehicle I should consider?

I understand that I may be afforded some protections provided by the 501c3, but since these are my personal companion birds and not the property of the organization (fostered or rescued birds) it seems as though the lines are somewhat blurred. I once owned a home with an in-ground pool and found it very inexpensive to significantly raise my personal liability insurance... but I don't know if the protections afforded by such a rider would protect me in this case...
Submitted: 4 years ago.
Category: Legal
Expert:  Fran-mod replied 4 years ago.
Hi, I’m a moderator for this topic and I wonder whether you’re still waiting for an answer. If you are, please let me know and I will do my best to find an Expert to assist you right away. If not, feel free to let me know and I will cancel this question for you. Thank you!
Customer: replied 4 years ago.
I have not received a response.

I'm not sure if there is a more relevant category for my Insurance-related question. "Law" was the closest thing I could find.
Expert:  Fran-mod replied 4 years ago.
Sometimes, finding the right Expert can take a little longer than expected and we thank you greatly for your understanding. We’ll be in touch again shortly.
Expert:  Law Pro replied 4 years ago.
An "umbrella" policy attached to your homeowners will cover such usually - it all depends on the policy.

Doesn't the non-profit have liability insurance? If so, you would be wasting your money buying the umbrella policy.
Customer: replied 4 years ago.
Based on the advice I have personally received and the overwhelming documentation I have reviewed on the subject, liability insurance for the 501(c)(3) is not much of a value considering the protections inherent in the incorporation along with the additional protections afforded in NY State. The policies are very expensive (~ $1,200/year) and wouldn't provide a whole lot more liability protection than we already have by virtue of our incorporation. The assets of the charity are currently only about $5,000.00, so it's hard to justify spending 20%+ of our liquid assets for incremental protection.

I was looking at the umbrella policy to protect me personally in the event that an incident with my birds occurs and litigious folks decide to come after me personally for relief. Also, if I were in public NOT on business of the charity and something happened, an umbrella policy would likely do the trick from the sound of it.

I just wanted to make sure I wasn't completely out of line in even suggesting such a thing be added as a rider to my homeowners plan.
Expert:  Law Pro replied 4 years ago.
OK, I understand that the non-profit doesn't have the money - some non-profits have money out the gazoo (ie. United Way for example) to it's best to strap them with the expense of the insurance rather than you.

Yes, the umbrella policy would certainly protect if something happened outside your property in a public or other place.

It sounds like a good idea - some of those exotic birds have amazing power and strength in their beaks and can certainly cause someone serious personal injury.

The best liability insurance company is Chubb - so if your concerned about your insurance carriers umbrella policy - switch over to them.



Please ask for "Law Pro" if you have any further future questions!

Just Answer is a "PAY FOR SERVICE" Website. Please press the GREEN ACCEPT BUTTON so I will receive credit for assisting you (even if you placed a deposit or have a subscription program). You may continue to ask follow-up questions after accepting. If the information is helpful, I would very much appreciate positive feedback. Bonuses are also appreciated. If you do have a follow-up question, press REPLY, NOT relist, or else I won’t receive the question.
Law Pro, Attorney
Category: Legal
Satisfied Customers: 24869
Experience: 20 years legal practitioner: real estate, collections, estate, civil, business, and criminal law
Law Pro and 7 other Legal Specialists are ready to help you
Customer: replied 4 years ago.
I have a couple cockatoos that we adopted from not-so-happy homes. They have downward bite pressure that is measured in the THOUSANDS of pounds and one of the two can be extremely aggressive! Bites from these types of birds can often lead to serious injury with stitches being a blessing if that's the extent of the injury. I have been lucky -- my experience with the birds and cautious handling has only gotten me bitten a handful of times and these bites, while serious, have not landed me in the Emergency Room. Needless to say, these birds WOULD NOT be going on "tour" with our organization!!!

Thanks for all the helpful information!

Related Legal Questions