Not-for-Profit Board Member Liability
People that serve as a volunteer or an officer on a not-for-profit organization board should make sure they are covered for personal liability. 
Many organizations have coverage that protect board members. You should examine those policies to make sure of the coverage and exceptions.
I serve on some boards as an officer and member that do not have coverage to protect board members. I checked with my insurance broker and she advised me that I am covered under my personal umbrella policy if the organization is a not-for-profit and I do not receive any compensation other than reimbursement of expenses. If you are on boards, check your protection.
You may also want to check out other coverage. See my Blog from August 30, 2012 on insurance coverage.
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