Insurance is Complicated

Understanding what Terrafirma covers is important to know but equally important is knowing what Terrafirma doesn’t cover. To ensure you can have sufficient insurance protection, we wanted to highlight a few things that Terrafirma doesn’t cover:

  • Terrafirma doesn’t cover bodily injuries or property damage suffered by your staff, visitors or others while at any of your properties or when you are out monitoring. That is generally what general liability insurance covers.
  • Terrafirma doesn’t cover wrongful management decisions by your board, volunteers or staff, even if that management decision adversely affects your properties’ conservation purposes. That is generally what directors and officers (aka “D&O”) insurance covers.
  • Terrafirma doesn’t cover property damage caused by natural disasters or catastrophic events. That is generally what property insurance covers or other special property insurance policies (like flood insurance).
  • Having a Conserve-A-Nation® policy through Alliant or any other insurance policy from any other carrier does not include Terrafirma coverage.
  • The Land Trust Alliance does not have a policy to cover those organizations that do not enroll in Terrafirma.

 And finally, your land trust is only insured by Terrafirma if – and only if – your land trust applies for membership through Terrafirma’s website and meets eligibility requirements.

Looking for insurance that covers these things? Check out this handy guide to common types of insurance coverage.


We’re here to help! If you have any questions, please let us know. I know that insurance is complicated so please ask questions.



Tom Kester 
Operations Manager and Secretary
Alliance Risk Management Services LLC 
Manager for Terrafirma Risk Retention Group LLC


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