The beauty of a risk pool specifically tailored to serving the unique needs of park, recreation and conservation districts, forest preserves, river conservancies and special recreation districts, is that IPARKS has the ability to react quickly to changes in property or liability exposures.  In that regard, IPARKS has provided coverage to its members for unique exposures, when the traditional marketplace refused.  Coverage for daycare, waterpark and skateboard park liability are examples of situations wherein park districts had difficulty obtaining coverage.  IPARKS was quick to respond.  Similarly, IPARKS provides its members with coverage for special events, liquor law liability and volunteers' all of which are uniquely important to park districts.  And, in response to a changing marketplace, coverage enhancements were provided to all members in the areas of cyber liability and electronic data in 2011.  As park district exposures change, IPARKS responds!