Quote Originally Posted by Félix Dumont View Post
Lyle, I know it includes liability insurance, but am not quite sure about D&O. Fortunately, I never had to use either
Well no - the whole point of insurance is that you HOPE not to need to have it!

The serious answer is of course that it's for the major events and it's something major sponsors expect to see in regional and national events. Your standard weekend swiss on the other hand not so much.