[Organizers] Liability insurance

[Paul Pindris via Organizers]

Our dance in Deerfield, NH obtained liability insurance for a couple of
years through CDSS, and the expense threatened to put us out of business. I
was then alerted, however, to the National Folk Organization, which costs
us $50 annually to join, with the benefit of liability insurance included
AT NO EXTRA COST. I asked to receive from NFO a certificate of insurance
and found that coverage was comparable to what I had received through CDSS.
My suggestion to everyone is to look into NFO -- http://www.nfo-usa.org

Paul Pindris

On Mon, Aug 14, 2017 at 12:38 PM, John W Gintell via Organizers <
organizers at lists.sharedweight.net> 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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