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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] Insurance
- Date: Mon, 07 Dec 2009 10:39:44 -0500
Liability insurance requirements are
governed by each state. In some states, such as The local county equine council pays about
$500 a year for no more than 4 rides in a county park, and additional for
directors’ coverage. SE PA SAR pays about $900 a year for unlimited
rides, unlimited training events, unlimited fundraising events, officers and
directors’, $10,000 treasurer’s bond, $50,000 in borrowed equipment
coverage, errors and omissions, secondary vehicle operation (covers us, not
licensed driver/owner), even landlord coverage. We use VFIS, a company that
specializes in volunteer fire companies across the nation and we have a
$1Million limit on public liability. If you need coverage you need general liability
or public liability (something you do causes some citizen damage), errors and omissions
(generally some expert says you made a “professional” mistake),
fiduciary responsibility (money-embezzlement, loss, bad investments), directors’
(your board or officers make a mistake in governing the organization), vehicle
operations, borrowed property (you use somebody’s boat, trailer, truck,
radios, etc. and break them), medical malpractice (may be good Samaritan defense
or actual practice depending on organization), your organization’s
property and equipment (replacement cost, especially if you use tax or grant
money to buy stuff), and landlord coverage (covers you for acts by guests at
fundraisers, awards dinners, etc. where alcohol may be available, even if not
explicitly permitted). If you own a building you may need owner’s or
renters’ coverages, fire and theft, and even for things like cracked
sidewalks or bricks falling down (liability and medical payments). You have to insure your members for on the
job injuries. ASTM standards call for having workman’s comp in place.
Depending on the jurisdiction your members may be your employees or government
employees. In And don’t forget the horses and
dogs. Almost nobody will insure you for liability/loss for horses and dogs.
In some jurisdictions you get the first bite, in some you don’t. If your members
own the horses they should have individual liability coverage and the
organization’s public liability serves as secondary coverage. If the
organization provides any services to the owners (vanning, stables, farrier,
vet) it needs its own care and custody coverage in case something happens to a member’s
horse while in the organization’s care. You should also encourage
each member who hauls their own horse to get horse trailer road service
coverage. Many AAA or other motor club coverages exclude trailers, trailer
contents, and towing trailers home if the tow vehicle breaks down. Also,
make sure the trailers are road legal. Irv Lichtenstein Chief of Operations From:
msar-riders-bounces@lists.ibiblio.org
[mailto:msar-riders-bounces@lists.ibiblio.org] On Behalf Of Marie Lester Congratulations to Mary
Jo and her newly founded team in Central, MO.! |
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Re: [MSAR] Thank you for your assistance,
Mjacksonz, 12/06/2009
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Re: [MSAR] Thank you for your assistance,
Steve de Lyra, 12/07/2009
- Re: [MSAR] Thank you for your assistance, T Finkle , 12/07/2009
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Re: [MSAR] Thank you for your assistance,
Marie Lester, 12/07/2009
-
[MSAR] Liability insurance,
Una Smith, 12/07/2009
- Re: [MSAR] Liability insurance, Marie Lester, 12/07/2009
- Re: [MSAR] Insurance, IRVIN LICHTENSTEIN, 12/07/2009
-
[MSAR] Liability insurance,
Una Smith, 12/07/2009
-
Re: [MSAR] Thank you for your assistance,
Steve de Lyra, 12/07/2009
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