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Author Topic: Club Activity Liability Insurance  (Read 2611 times)
KE5UMC
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Posts: 20




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« on: April 20, 2017, 01:56:44 PM »

Our club carries a liability insurance policy for field day and other special events, but it only protects us for injury or loss to a third party, not our members.  Does anyone have a policy that covers your members for injury or other damage while participating in club sponsored events? 

Thanks....

K5BJW
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W8JX
Member

Posts: 11288




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« Reply #1 on: April 24, 2017, 11:04:29 AM »

Our club carries a liability insurance policy for field day and other special events, but it only protects us for injury or loss to a third party, not our members.  Does anyone have a policy that covers your members for injury or other damage while participating in club sponsored events? 

Thanks....

K5BJW

Interesting question. I am sure it exists if you are willing to pay extra for it. But by nature most policies protect policy holder from claims from those not part of policy. If you are using a property not owned by club you could get its owners to get a liability coverage for injuries on it that would cover every one. 
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Ham since 1969....  Old School 20 WPM Extra
WI4P
Member

Posts: 66




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« Reply #2 on: April 24, 2017, 12:56:04 PM »

Various kinds of clubs purchase Club Accident Insurance to protect their members for injuries they sustain while involved in club activities.  These are not Liability Insurance policies, but are policies providing accidental death and dismemberment coverage and accident medical insurance coverage.  As a licensed insurance agent I have written (but no longer write) many policies of this type.  One source of such coverage is National Casualty Insurance Co., an A+ rated member of the Nationwide Group.  You can purchase this coverage on line directly from National Casualty at annual rates between $2.40 and $6.00 per member depending on limits.  Policy minimum premiums  apply.

On the liability side, most members will find that their Homeowners or Renters Insurance will protect them for their personal liability arising from their participation in club activities.  Inexpensive Personal Liability Insurance policies are also available.  It might also be possible to endorse the Club Liability Insurance policy to include members as additional insureds.

John Philips, CPCU, WI4P
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