Good information there D. If we are short of public liability insurance (and I can't say either way at all) then I think we should do it together through GFA. Having the individual clubs get their own insurance is going to be very very costly. Doing it together as a peek group is far more sensible.
That all said though, I can't say if we have enough cover or not. One thing to consider is value of the club. Add up all the costs of your assets. This is how much the club can be sued for (any more and it would go bankrupt and the litigator would get nothing). Now calculate the cost of extra insurance, what this will do is help you decide the appropriate level. Ie. what you are risking is the club assets, the bigger the club, with more assets, the more insurance it probably should consider. Please note that I am not a lawyer. Scott ----- "DMcD" <[email protected]> wrote: > HA > > One thing you have not addressed (or have you?) is the emotional > collateral of being sued over some accident claim. > > We had this in an HG club while I was president. A spectator had > their leg broken by a low airtime pilot. There was no problem about > the claim and the club had insurance cover from the HGFA. > > The club did their best within the limits of not accepting any > liability, to assure the injured person while in hospital, that > nobody > was going to dodge the claim. Regrettably, they forgot all these > conversations. Possibly the affects of anaesthic, but a few days > later, the family were claiming in the local newspaper that nobody > had > contacted them. > > Further to that, the solicitor's kept sending all letters to not only > the HGFA, but as many club officers as they could find. Even though > they may not have been personally liable, after a while everyone felt > 100% personally liable. > > The claim went through for something like $750,000. I have no idea > how > they arrived at that amount. > > Anyway, the event was hugely stressful to all concerned and took the > shine off flying for some time. > > After moving to sailplanes, I was a little unnerved by how much > insurance... or rather how little public liability insurance the > clubs > seem to carry. Remember, most HG accidents are at bicycle speeds. > Though there are more of them, they're not normally life threatening. > Unlike sailplanes. Fewer accidents, but at much higher speeds and > energy levels. > > I think that clubs should have an organised policy which is readily > accessible, as a response to any possible emergency which might > result > in a liability claim. > > D > _______________________________________________ > Aus-soaring mailing list > [email protected] > To check or change subscription details, visit: > http://lists.internode.on.net/mailman/listinfo/aus-soaring > > -- > This message has been scanned for viruses and > dangerous content by MailScanner, and is > believed to be clean. -- http://scott.dd.com.au/ [email protected] _______________________________________________ Aus-soaring mailing list [email protected] To check or change subscription details, visit: http://lists.internode.on.net/mailman/listinfo/aus-soaring
