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club liability insurance

I'm an insurance agent, and we've done what's called "special events" coverages for things like this before. (concerts, car shows, poker runs, etc.) But with all the companies we've gone through, it's a HUGE amount of rigamaroll, and a major pain in the A$$.

In fact, it's my experience that MOST insurance agencies have stopped offering these services because it's such a nightmare.

And it's NEVER cheap.

Going on a "per event" basis, that $325 a year is DIRT cheap. For coverage on a "per event" basis (as in, get a speperate policy for each event held) you'd be looking at AT LEAST that much PER EVENT HELD and probably more...

And you'd have to start the coverage process AT LEAST three weeks before the event.

And I know for a fact that if it's not private property, all the companies we write for, well, you might as well forget about it.

Here's why in an Example:

Say you're having an event on public land (say a park, for instance.) And there's a piece of re-bar sticking out of the ground and someone trips over it and twists their ankle.

A medical claim is made for the twisted ankle to the event insurance company.

The insurance company declares that the land OWNER was negligent by leaving that piece of re-bar sticking out of the ground when they knew there would be an event in that general location.

SO, the insurance company tries to re-coup some of their losses by suing the land-owner. (This is called "subrogation").

The problem is, that with Public and Federal land, there really ISN'T anyone to get their money back from, because almost anything you do in a park is "at your own risk".

And then the insurance company for the event is just S.O.L. So now they've paid out more on one claim than you paid as the entire insurance premium for that one event. What does that mean?

The next time you apply for insurance for your next event, they'll turn you down. And then YOU are S.O.L.


God, I HATE this business.....
 
This is an avenue that all crawling clubs are going to have to go down. All of our crawling spots in Southern Az are for the most part out out of the city. Natural rock and wildlife. Our club commitee has talked about this many times and still trying to figure out the easiest way to go about it. It would be nice if USRCCA followed AMA or ABABMX or any of the other national clubs that paid a yearly due that covered everyone who participated in a USRCCA sanctioned club event
 
The USRCCA hasn't updated their website in over a year, I doubt they are going to do anything about insurance anytime in the near future. I think $325 a year for coverage is cheap from State Farm. Just charge a $5 or $10 entry into comps, and that should get you most of the way there. Maybe do a 50/50 raffle to raise money or something like that with prizes.
 
Most of us operate as clubs. We've had this discussion over at ECRC and many questions came up. I spoke to a lawyer today so hear goes...Clubs or groups that basically get together to have fun is the only way to word it some noone could be sued. If fees are required to compete, than the person(s) collecting that fee assumes all liability at that location, sorry Brandon. I belong to the NHRA and if I am injured at an NHRA event (slip on a wet surface, a board is loose in the bleechers, speed limits not enforced in the pits which leads to injury) the NHRA is responsible. The lawyer said requiring entry fee makes the "club" an entity and that entity assumes all responsibility and liability. I own the property that Rock Island sits on so I'm in the same boat. The legal advice that I received would be to place a rider (sp) on my house as coverage for anyone that may be injured while competing. If I have "friends" over for a cookout I still assume some responsibility for my guests and If I allow/supply alcohol I'm really in deep.
He also said if the event is publicized the person(s) that publicizes the event assumes some responsibility even if fees are not required. This may be where the waiver will work. The lawyer I spoke to is a friend and only had a few minutes to talk, but he did say that each of these instances could be handled different from one state to the next...
 
I sought out some legal advice on it also, in my state, if a "club" hosts an event and someone is injured it is the "club" that can be sued. "club" was broken down as all members of said "club". It didnt matter if a fee was required or not. Im all for not having to pay $300+ for a year of insuranceto go rock crawling but, the problem is this is a sue happy world.
 
$325 a yr is not all that bad. A club could split that amongst the club member as a yearly membership dues. Even with a club of 10 drivers that is only $32 a year per person. I think that is worth it. As more people join everyone still pays the same until the next year and redo the figures. I would pay it. It is a small price to pay.
 
Im glad to hear that this discussion has been helpful!
SCRC is looking into how we will pay for the insurance.
 
Good to hear dog. I was going to send this to you, but as usual you are 11 steps ahead of me"thumbsup"
 
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