Here's an incident that happened in my community this last winter. It was at an Americana dance but at the hall in which we contra dance. Midwinter a woman with noted balance problems to begin with, slipped in the dirt parking lot and allegedly hurt her wrist. She came in anyway, danced the first half of the night w/o mentioning anything, praised the band at break but said she was headed home because she'd hurt her wrist. Two days later she brought suit against the hall...which turned out to be indemnified, so she then went after the band...suit is still pending. Band will no longer play at that hall and others are afraid to book. Could have happened at a contra. Litigious people are out there. -------------------------------------------- On Thu, 5/1/14, Mac Mckeever <macmck(a)ymail.com> wrote: Subject: Re: [Callers] Callers Insurance To: "Caller's discussion list" <callers(a)sharedweight.net> Date: Thursday, May 1, 2014, 10:16 AM I am not a legal expert - but this is what I understand: I have not heard of anyone being sued - so it is rare (and probably why the insurance is not expensive) - it can happen.  Should a dancer be injured - the caller could certainly be a target of a suit.  Even if the dancer doesn't want to sue - their medical insurance company might come after you.  My wife broke her arm at a dance once and her insurance called to get the name of everyone involved with producing the dance so they could recover their costs..  She told them it was entirely her fault and would say that if anyone asked - so they dropped it. I believe if you are a beginning caller - not getting paid - your home owners insurance may cover you (check with them).  Once you start getting paid it is a different story.  That is when you need callers insurance.  It costs less that the pay for most one evening dances.  I wouldn't call without it Laws vary from state to state and those in the legal field can probably provide more specific details. Mac ________________________________ From: Ben Hornstein <bhornstein5189(a)gmail.com> To: callers(a)sharedweight.net Sent: Thursday, May 1, 2014 11:03 AM Subject: Re: [Callers] Callers Insurance I haven't been calling very long, and I know I'm young and spry, but what sort of incidents have any of you had that might necessitate caller's insurance? _______________________________________________ Callers mailing list Callers(a)sharedweight.net http://www.sharedweight.net/mailman/listinfo/callers _______________________________________________ Callers mailing list Callers(a)sharedweight.net http://www.sharedweight.net/mailman/listinfo/callers _______________________________________________ Callers mailing list Callers(a)sharedweight.net http://www.sharedweight.net/mailman/listinfo/callers