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...