Bree asked, "...can you say more about the reasons to have insurance?" One simple and practical reason is that many halls now require proof of insurance before they will let a dance group-- or others, for that matter-- use the facility. Having this slip of paper has made it possible for our band to hold a monthly dance in the local town hall. Without it, no way. And then there's the reason that I've not needed so far, which is someone falling down on the dance floor and getting seriously injured, and sueing the caller, having decided that it's your fault-- not controlling the crowd properly, failure to give adequate warning of the dangers involved, not giving proper safety precautions, choosing a dance that was inappropriate for that particular crowd. Sure, you might well win the case in court, but it'd be nice to have the insurance company paying for your defense. Unlikely? Yep, but so are many other litigious situations in which people find themselves. Someone died at a dance where I was calling but there was no legal action involved in that one. Still, not fun... I figure that caller's insurance is like any other kind of insurance... you pay your money-- as Chris said, it's not a large sum-- and hope that you never need it. David Millstone Lebanon, NH _______________________________________________ Callers mailing list Callers(a)sharedweight.net http://www.sharedweight.net/mailman/listinfo/callers