Mounted search and rescue

["nikkilinder@rocketmail.com" <nikkilinder@rocketmail.com>]

Una,

Great information.  We have only deployed under agencies of direction 
jurisdiction.  We carry a limited liability policy which covers all training 
activities, but it stops when an agency calls on us we work under their 
policy.  This is some great information, and I will research the archives.  
Requesting members carry the additional umbrella policy is another great 
idea.  Thank you :)






Sent from my Verizon Wireless Phone

--- Original Message ---

From: Una Smith <una.smith@att.net>
Sent: February 16, 2012 2/16/12
To: Mounted search and rescue <msar-riders@lists.ibiblio.org>
Subject: Re: [MSAR] Insurance question for stand alone msar units

Nikki Linder wrote:
>If you are currently operating a "stand alone" not for profit mounted
>sar unit, what type of liability coverage do you carry?

Does your unit self-deploy?  Does your unit work for the family?  Or does
your unit work only for an agency having jurisdiction.  I gather that your
state, Georgia, has several AHJs:  Georgia Emergency Management Agency,
Georgia Department of Natural Resources.  Also, each county has a sheriff
and a county government office of emergency management.

Ask each of your potential AHJs what liability coverage they provide to
cover SAR responders during missions and AHJ-sponsored training events.

There is also insurance your unit might purchase.  My impression is that
most units do not purchase any kind of insurance.  The main exceptions are
decades old units (historic sheriff's posse groups) that when formed were
endowed with land as part of a real estate development scheme.  Some of
these units have assets, usually land, now valued at millions of dollars.

There is insurance that your members might purchase individually.  A few
SAR volunteers I know who work in the insurance industry recommend buying
a personal liability "umbrella" policy through whatever company insures
your home and vehicles.

All this has been discussed many times before here on MSAR-Riders.  Have
you searched our archive?  See the link "Search our archive" on this page:

        http://www.ibiblio.org/msar/msar-riders.html

Stay safe,

        Una Smith
        New Mexico
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