When I was involved with Preschool Playgroups (in England) I took note of an article about insurance.

The insurance company will only pay out for something that their client has done wrong which has caused damage.

So e.g. if I (playgroup employee) had taken the Children on a float in a procession and one had been hurt and sued I got the impression that the insurance companies involved for the Playgroup, procession organiser and vehicle owner would have all tried to pass responsibility on to each other. (And if you couldn't prove fault there would be no compensation)

So I have insurance that covers me as a caller - up to other people to have their own.

----- Original Message -----

From: tod1950@yahoo.com [trad-dance-callers]

To: trad-dance-callers@yahoogroups.com

Sent: Wednesday, December 30, 2015 6:07 PM

Subject: [trad-dance-callers] Re: Insurance!?

Thank you for the information. Karen, I have had requests when producing events, which is not so surprising. In this case and most cases the participant is an independent contractor, contracted by the school (producer) which would lead me to think the insurance burden is on the school (producer). Times may be changing.
Name - I realized after posting that my name was not included, I assumed that it would be, but I was wrong :)
Happy New Year,
Tod Whittemore
Northeast CT