The CALLERLAB policy that Bev mentioned does not appli to Canadian or overseas callers. CALLERLAB says, "We urge Canadian and overseas callers to contact their local organizations for their insurance needs." Alas. It's a good deal. Purchased through CDSS, it costs $48/year: http://cdss.org/membership/2008_caller%20insurance%20application.pdf And no, I don't know of anyone who's had to file a claim. However, I often have had to present a certificate of insurance to be able to hold a dance in a town hall or a school building, and it's worth carrying the policy just for that. David Millstone