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Subject: Mounted search and rescue
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- From: "IRVIN LICHTENSTEIN" <ilichten1@verizon.net>
- To: "'Mounted search and rescue'" <msar-riders@lists.ibiblio.org>
- Subject: Re: [MSAR] MSAR insurance policies
- Date: Tue, 24 Feb 2009 00:25:42 -0500
There is no show or club insurance that
will cover you for public and professional liability as an emergency responder.
If you are doing search as a part of a sheriff or other public
agency under their budget, control, and orders they should be providing both
workman’s comp, and liability insurance. Whether they are willing to insure your
horse, trailer or tow vehicle is a separate issue. If you are an independent
organization/agency with your own EIN, tax status, and not controlled by a
government agency you need your own workman’s comp since you are the
employer of the volunteer responders. In some states the amount is
minimal and set by state law, often as low as $10 per hour earnings
allowance used as the the municipality you organization is resident
(where you get your mail, have a business phone, office, etc) is
responsible for your comp by law. If comp is required and you do not have it
cease all operations immediately. In fine for not having comp is $10 000 per
day. You may be covered by OSHA regulations directly or through EPA’s
HAZWOPER rules. Public liability for an emergency
responder organization usually includes some other coverage in the package.
·
Public
liability pays for the public for the organization and its members screw ups. It
may be primary (pays first) or secondary (pays after other insurance is
exhausted). Some specifically exclude do bites. Medical expenses for the
injured party may be covered here or separately. ·
Professional
liability pays the public for lapses in judgment or not following best
practices resulting in a screwup, like subject recovered instead of found ·
Malpractice
covers unpaid medical care provided to a victim, including Good Samaritan defense
costs. It usually does not cover for licensed physicians or services paid for ·
Host and
Landlord covers accidents at the station and fundraisers, usually involving
public and booze ·
Automotive
is car insurance for the organization and the organizations’ vehicles,
not a member’s car ·
Borrowed
Equipment covers equipment on loan to your organization, like that $5000
portable radio the guy in the comm. van handed you, or it may be used to cover
specialized equipment (a medical evacuation Gator) or equipment your members bring
to a scene and loan to the organization for the event. ·
Director’s
Errors and Omissions covers your elected or appointed organizational officials
official acts on behalf of the organization ·
Bonding
covers the treasurer and usually any other signatory who may abscond with
money. The bond is used to refund the loss to the organization and the
bonding company goes after the miscreant to get its money back. Typically
a limit of $10 000 is included in the None of this coverage pays a member for
loss of his personal property or injury to his horse. It just protects
the organization during official business. An optional coverage is to obtain
accidental death and disability, on duty or 24/7. This will pay a member’s
losses and provide some income while the comp carrier spends 5 years or so
reviewing the injured on duty claim. If you are an emergency responder you may
be eligible for federal and state public safety officer (death) benefits. Your carrier should be experienced
covering volunteer fire companies, ambulance squads, and rescue squads. There
are several specialty carriers. SE PA SAR uses VFIS, of the Gladfelter Group. They
also own Agri-Business Insurance, and started as Volunteer Firemen’s Insurance
Service until they got big enough to be an independent carrier. You can
check Firehouse, Fire Engineering, Pennsylvania Fireman or similar publications
for other carriers. As a trustee of a fire company I also have to deal
with the township’s insurer, the Delaware Valley Insurance Trust, which
is a pool created by seven townships to provide their own comp and other coverage.
They (DVIT) has only one response: claim denied. VFIS will work with you
to tailor your coverage to your activities and doesn’t charge extra for
fundraisers, seminars, or trips to conventions. Generally, under most mutual aid
agreements you will have to specify your comp carrier and your liability
carrier so no insurance, no go. Irv Lichtenstein |
-
[MSAR] Barefoot vs shod,
The Hitchn Post, 02/18/2009
- <Possible follow-up(s)>
-
Re: [MSAR] Barefoot vs shod,
Jyaniro, 02/23/2009
-
[MSAR] MSAR insurance policies,
Donna DeMelia-Neill, 02/23/2009
- Re: [MSAR] MSAR insurance policies, Una Smith, 02/23/2009
- Re: [MSAR] MSAR insurance policies, tfinkle, 02/23/2009
-
Re: [MSAR] MSAR insurance policies,
IRVIN LICHTENSTEIN, 02/24/2009
-
Re: [MSAR] MSAR insurance policies,
Philip & Bonnie Easley, 02/24/2009
-
Re: [MSAR] MSAR insurance policies,
IRVIN LICHTENSTEIN, 02/24/2009
- Re: [MSAR] MSAR insurance policies, Philip & Bonnie Easley, 02/25/2009
-
Re: [MSAR] MSAR insurance policies,
IRVIN LICHTENSTEIN, 02/24/2009
-
Re: [MSAR] MSAR insurance policies,
Philip & Bonnie Easley, 02/24/2009
-
Re: [MSAR] Barefoot vs shod,
Chris Noon, 02/23/2009
- Re: [MSAR] Barefoot vs shod, Una Smith, 02/23/2009
-
[MSAR] MSAR insurance policies,
Donna DeMelia-Neill, 02/23/2009
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