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post #1 of (permalink) Old 09-07-2006, 09:05 AM Thread Starter
 
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Event Insurance?

Our club is tossing around the idea of a compition for charity. We have acess to 40 acers of private property with a mud bog and big rocks. The biggest thing holding us back from actually going along with the event is liability/ insurance. The club up at MI Tech has a mud bog every fall at the fair grounds and their insurance is $2500 for the 1 day event. Is there any way to get around insurance with sign your life away forms? Anybody put on an event like this? What have you don't about insurance/ liability.
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post #2 of (permalink) Old 09-07-2006, 09:11 AM
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Re: Event Insurance?

You're best figuring in the insurance into the cost of the event.

The "Sign your life away" forms rarely hold up in a court case... and there will be a court case if a problem occurs. You don't want to get into a contest between two lawyers. No one is served with this type of court fight.

In this case, the insurance is cheap. Even though it will eat away at the profits, the long range ramifications can be much longer and cost a whole lot more. That's why it's called insurance.
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post #3 of (permalink) Old 09-07-2006, 10:29 AM
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Re: Event Insurance?

I have some experience with waivers from being on the organizing team and around SCCA club races for many years. The real problem with liability waivers is that you can't get everyone necessary to sign the form. If a guy signs the waiver and then gets crippled, the waiver may or may not protect you from him. But his wife and children can still sue because they've lost his income and companionship for the rest of his life, and are going to have to care for him. Your event has cost them dearly and you're on the hook for it.

There was talk of Dale Earnhart's widow suing NASCAR, officials, rescue workers, doctors, manufacturers, sponsors, equipment suppliers, the track and anyone else involved in any way after he was killed. I don't know what came of it, but you can bet that she wasn't stopped by the waiver he signed.
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post #4 of (permalink) Old 09-07-2006, 10:50 AM
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Re: Event Insurance?

It's called the 'deep pocket syndrome'.....because jurys are made up of 'normal' people, they can always find a bunch of idiots who will agree to any ambulance chasing lawyer whoes sole motivation is to get 50% of the award.....

I HATE lawyers.....at least the cival litigation ones.....
post #5 of (permalink) Old 09-07-2006, 11:23 AM
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Re: Event Insurance?

Without turning this thread into another political thread about lawyers.
A rider on an existing policy is usually best way to go. Is this a national charity? They may have something in place that you can attach your event too. Or take on a partner in this event that has insurance .... another 4x4 club, or off road racing group, local Service club, etc.
Also remember you need insurance for yourself, staff, property owner, too ... not just the particitants. Thus the seemingly high cost.
Charity event in a small town? .... can you get the local fire & EMS to stand by for free? Can lower the cost too.
Shop around, prices will vary extremely!
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post #6 of (permalink) Old 09-07-2006, 12:16 PM
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Re: Event Insurance?

[ QUOTE ]
There was talk of Dale Earnhart's widow suing NASCAR, officials, rescue workers, doctors.....

[/ QUOTE ]

To what purpose??? Dare Earnhart Incorporated makes how much? thier fortune is what??? To what purpose would she be sueing?

Not questioning you, just her.
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post #7 of (permalink) Old 09-07-2006, 12:38 PM
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Re: Event Insurance?

Gee, Brent, I don't know. Could it have anything to do with, say, money? Nah, that couldn't be it. I'm stumped.
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post #8 of (permalink) Old 09-07-2006, 12:51 PM
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Re: Event Insurance?

[ QUOTE ]
Gee, Brent, I don't know. Could it have anything to do with, say, money? Nah, that couldn't be it. I'm stumped.

[/ QUOTE ]

No Jim, it's about MORE money!
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post #9 of (permalink) Old 09-07-2006, 07:22 PM
 
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Re: Event Insurance?

As the owner of an event facility, I can offer this advice:

Obtain at least a million dollar liability policy. If it's only for one day, it will be well worth the expense. What I pay for a full year of coverage is not that much. $2500 seems VERY high. Shop around, and don't allow any alcohol on the premises.

Then, have each attendee sign a waiver and a "rules and regulations" form at the entrance gate. This form should specifically mention the land owner, the organizers, sponsors, etc. (anyone involved behind the scenes) and limit their liability.

Unfortunately, you have to make everything idiot proof. I've put on many special events, and there is always someone with a beef (stolen property, injury, property damage, etc.) who wants some "compensation".

Consult a lawyer or promotions specialist about the insurance and rules & regulations form. I have found that most professionals will consult with you for a reasonable fee. The key is to present what your group has budgeted for this expense BEFORE they agree to take a look at things. This could be as low as $200-$300 dollars. And then your event could be an annual one, without paying this expense each year. OR...play your CHARITY card, and give folks who help out some recognition in leu of money!


PM me if you want to discuss more details.
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post #10 of (permalink) Old 09-07-2006, 08:12 PM
 
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Re: Event Insurance?

Our club has been doing mud drags since the mid 70's. We have a rider under the Wisconsin Association for our events and it's around $1,000-$1,500 per event, we do two events a year. Check and see if Great Lakes would be able to do something for you similar to that.

Also... as mentioned above, no alcohol allowed in the pit area or drivers. We put bands on anyone entering the pits, plus it's around a $10.00 fee, no refunds, no room for error. You’ll need plenty of volunteers to police this, do cooler checks, etc. Don't be afraid to send people packing, it's not worth the headache. If you need to sell beer for money, let someone else do it and take a split. Volunteer fire departments, etc. are a good source. That and food is one big headache. Take a split; let the local optimist or another group handle it.

On that note, we've been sued twice....that I know of or was around for.

A club member sued the club because he cut himself while we where setting up the track, a week before the race and required a few stitches in his hand. I shouldn't and won't discuss the outcome but the club did end up loosing this one. Yes, I did say club member (veteran member none the less)

Our bleachers broke...yes..old wooden bleachers which we thought where in good shape. A spectator crashed to the ground, was transported by rescue squad, and..again, won't go into details, it wasn't totally the bleachers fault.
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