What are the costs associated with joining Terrafirma?

When land trusts first join Terrafirma, they have to pay a registration fee along with the annual premium. After land trusts join Terrafirma, they only have to pay the annual premium for each year of continued coverage--provided that the organization maintains continuous coverage from year to year. Discounts may apply if your land trust qualifies. See below for details.

Registration Fee

What is the registration fee?

The registration fee is a fee paid when the organization first joins Terrafirma. It is a sliding scale fee based on the number of parcels the organization is enrolling.

The current registration fee schedule is as follows:

1 to 10         $375
11 to 24         $600
25 to 49         $900
50 to 99      $1,400
100 to 299      $1,900
300 to 499      $2,400
500 to 999      $2,900
1000 to 1999      $3,400
2000 and up      $4,000


What is the annual premium?

The premium is $63 per parcel insured (parcels include conservation easements, fee properties, trail easements, access easements). There are discounts on the premium for accreditation, best practices, and risk management training.


Are there any discounts?

Yes!  There are discounts for attending risk management trainings, discounts for following Best Practices, and discounts for being a land trust accredited by the Land Trust Accreditation Commission. The discount for attending risk management trainings is $1 per parcel. The discount for following Best Practices is $4. The discount for accreditation is $11. Your organization can use multiple discounts simultaneously, but cannot combine the Accreditation Discount with the Best Practices Discount.





Accreditation Discount

$11 per parcel

Best Practices Discount

$4 per parcel

Risk Management Discount

Bulk Properties (250+) Discount

$1 per parcel

$3 per parcel

Risk Management Discount

Bulk Properties (250+) Discount

$1 per parcel

$3 per parcel

Total Possible

$15 per parcel

Total Possible

$8 per parcel


You can see examples of how the discounts add up below:



 Portfolio of 15

 Portfolio of 150

 Not accredited but qualified for discounts


 $870 annual premium

 $8700 annual premium



 $765 annual premium

 $7650 annual premium

 Not accredited and no discount


 $945 annual premium

 $9450 annual premium


How does my land trust qualify for the discount for risk management trainings?

To qualify for the risk management trainings discount, a senior staff member or board member from your land trust must attend a qualified risk management training every year. Qualifying staff includes:

  • Any board member
  • Any attorney
  • Any executive director or president
  • Any director level position
  • Any VP, manager (excluding office manager, unless they are the sole staffer), CFO, or COO
  • Stewardship and conservation coordinators

The Land Trust Alliance provides Risk Management trainings as free webinars every year. See the list of webinars here.

The Land Trust Alliance's annual Rally event also includes eligible courses.

Terrafirma also provides a quick, free, and easy-to-use Guide to Risk Management for Land Trusts. This online course takes under half an hour and, once completed, qualifies your land trust for the risk management discount.

How does my land trust qualify for the Best Practices discount?

Land trusts seeking the Best Practices discount must attest to meeting all the following conditions to receive a $4 discount per insured unit:

1. Currently every transaction is reviewed and approved by a qualified attorney prior to closing.

2. Has and follows a written policy on violation resolution.

3. Has and follows a written conflict of interest policy.

4. Has and follows written criteria for selecting land and easement projects consistent with its mission.

5. Evaluates its capacity to perform its perpetual stewardship responsibilities for each project.

Additional Fees

Is there a fee for dropping out of Terrafirma?

There's no fee for dropping out of Terrafirma after you have joined. However, you should keep in mind that there will be some repercussions should you decide to rejoin later on:

  • You will lose the registration fee you have already paid. If you decide to re-enroll later, you’ll have to pay another registration fee and the amount will likely be higher than what you previously paid.
  • Your coverage will end when your policy expires and – even if you re-enroll a year later – you will have a coverage gap as a new policy will only be effective as of the reenrollment date. That essentially means it will only cover claims based on problems that first come to light after that date.
  • You will have to pay a 50% co-payment for any claims during the first year after your coverage re-starts.


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