[Organizers] Liability insurance

[Mac Mckeever via Organizers]

We had a problem where a dancer fell and broke her arm.  Her health insurance covered her treatment.  They called her and demanded to know who we were and who owned the venue.  She said OK - but if anyone asks I will tell them I was a klutz and fell - it was my own fault.  AT that point the insurance co dropped it.
I was told is it common for insurance companies to try to recover their costs via law suits.
If you have any assets at all they need to be protected.  In our state, officers of not-for-profit cannot be sued for liability issues - and we are all volunteers.  Make sure your organizers are not vulnerable
Mac McKeever


      From: Mary Anne Eason via Organizers <organizers at lists.sharedweight.net>
 To: organizers at lists.sharedweight.net 
 Sent: Monday, August 14, 2017 12:14 PM
 Subject: Re: [Organizers] Liability insurance
   
Our smallish dance has had liability insurance for the past several 
years because the venue required it. We also had to have their name 
added to the contract which cost another $30 on top of the other fees 
you have already mentioned. I have been at a couple dances where 
accidents have happened, and someone could have sued, but fortunately 
didn't. I've felt better knowing we have the insurance, but we really 
can't afford it and our bands and callers have suffered because we had 
less money to pay them. (We try to hold back a little each month to help 
cover those costs as well as the cost of the hall.) I don't know what 
the solution is - sorry!

Mary Anne

On 8/14/2017 12:38 PM, John W Gintell via Organizers wrote:
> I am wondering whether most dance series have liability insurance - particularly  small ones.
>
> Insurance for a dance series from CDSS costs $450, $550, … depending on the number of dances plus $85 membership fee every year. I suspect other sources would be more expensive. For a small dance with few financial reserves, the extra fees each year could easily drive it to extinction.
>
> I know that sone venues require that the group has insurance, but not all do.
>
> What is the risk of not having it? Any recent incidents in the past few years?
>
> I’d think possible suits could be from dancers or musicians/callers who got injured or thought they were treated badly, venues where there was damage to the site.
>
> What about ASCAP copy infringement suits? Have there been any of these?
>
> Anything else?
>
>     John
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