Hi Lon,
Thank you for the information. I have heard that certain foundations for the arts let you subscribe under their umbrella coverage. I am investigating this route next. There is so much to do and so little time, running an art organization is way more work than I had bargained for. I am already looking forward to retirement.
Actually it is a lot of fun, just this searching and all the paperwork stuff can drive a person insane, especially when time is limited and the budget is very tight. It's a challenge to find the most reasonably priced coverage possible.