Author Topic: Liability Insurance  (Read 7747 times)

Offline cvheintz

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Liability Insurance
« on: January 19, 2015, 03:33:19 PM »
I have been organizer of a Meetup for expats in the Houston area and need advice on liability insurance.  We have approx 200 members and are very active.  Meetups include coffee mornings, Christmas parties, walking groups, book club, playgroup and so on (it is an expat support social group).  What kind of liability insurance so I need and what should I expect to pay annually?  Any advice gratefully received.  Thanks.

Offline notmtwain

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Re: Liability Insurance
« Reply #1 on: January 20, 2015, 09:39:48 AM »
It is a complex subject.  The playgroups are a particular concern.  Do you have your own space/ building for your meetings?  I would guess that most people host playdates at their homes and carry their own insurance.

I get the impression that most people are just going without any insurance for their groups.  I know that Meetup doesn't provide any coverage. (You know it's pretty amazing that they have never tried to sell that to us.)

I tried to start a thread about a related issue, Liability Waivers, on this last year but got no responses.    http://www.discussmeetup.com/forum/general-questions-how-tos-tips-tricks/liability-waivers/msg2765/#msg2765.  While some have said that waivers aren't worth the paper they are written on, the research I did said that liability waivers are generally considered enforceable in our state.  (I quoted an article called "The ABC's of Liability Waivers" which is still available at: http://www.recmanagement.com/columns.php?fid=200611gc03&ch=1  )
« Last Edit: January 20, 2015, 10:31:18 AM by notmtwain »

Offline cvheintz

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Re: Liability Insurance
« Reply #2 on: January 20, 2015, 01:01:55 PM »
Thanks so much for replying - I also can't believe how little information there is about liability and insurance matters.  I had found your ABCs link yesterday and followed the link - it was the first really useful information I've seen - thank you for posting that.  I'm beginning to think that the reason Meetup admin avoids getting into discussions about liability insurance (apart from not wanting to expose themselves through accidental misinformation as they are not specialists) is that if organizers really understood the liability they were taking on then there wouldn't be so much interest in forming a Meetup.  I started my Meetup group in 2008 and I'm stepping down as Organizer in the next few weeks as the liability insurance and tax reporting issues are too worrisome for me.  It doesn't look like any of our 198 members want to take over and address the issue either so our group will dissolve in a month's time.  Very sad.  We will become a collection of disjointed Facebook groups instead.

Offline Emmy

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Re: Liability Insurance
« Reply #3 on: January 20, 2015, 01:13:54 PM »
I'm sorry that your group may be ending and hope you can come up with another solution. I think that a lot of organizers don't worry about liability because they believe that the part of Meetup's Terms of Service that holds Meetup not liable for things associated with Meetup events applies to them. But as Meetup itself notes, that's an agreement between members and Meetup, not between members and organizers.
http://help.meetup.com/customer/portal/articles/898561

Still, a lot of groups continue without being concerned and without getting insurance; other groups have people sign various waivers. Is there anyone in your group or in your circle of acquaintance who might be able to provide advice on liability, waivers, insurance, taxes, etc.? Maybe you can get some pro bono help on this and can keep the group going...

Emmy
« Last Edit: January 20, 2015, 01:35:29 PM by Emmy »

Offline cvheintz

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Re: Liability Insurance
« Reply #4 on: January 20, 2015, 02:56:45 PM »
Thanks Emmy, yes am looking into that.

Offline LocalHiker

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Re: Liability Insurance
« Reply #5 on: January 20, 2015, 11:51:40 PM »
You shouldn't need liability insurance unless you are doing the cooking, etc. or do something negligent.  I have a hiking group and my liability is limited by the doctrine of assumed risk (I am not responsible for the inherent risks in hiking), and the fact that I am not a professional guide, mountaineer, etc. I state this on my site and in event descriptions.

I did look into liability insurance in order to get an annual permit from the National Park Service and the quote was about $100/mo. Forget that!
Dean, Organizer http://www.hikingwithdean.com
President, Collabora Hosting
http://www.collabora365.com

Offline Lori

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Re: Liability Insurance
« Reply #6 on: January 22, 2015, 10:09:50 PM »
If you still want information on liability insurance and whether you need it, perhaps there is a civil attorney in your group - I consulted with four over the past years, all members of my meetup, and it was very informative. And no, I do not use waivers, or liability insurance, ever, nor do I ever intend to. There are other ways to handle liability.

Offline WiltshireGuy

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Re: Liability Insurance
« Reply #7 on: April 17, 2015, 01:19:32 PM »
I remember an old saying in railroad (railway) safety.

If you think safety is expensive, try an accident.

I'm going down the insurance route, as you can never really protect your backside if someone wants to sue you or make a claim against your group.

Offline Marcusgalactic

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Re: Liability Insurance
« Reply #8 on: April 17, 2015, 03:00:32 PM »
There is no need for insurance in the USA.

However, if a business, paid service etc. ...disclaimers, waivers, etc. have zero value in the USA.  One can't dismiss liability.

Offline notmtwain

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Re: Liability Insurance
« Reply #9 on: April 26, 2015, 07:50:08 AM »
There is no need for insurance in the USA.

However, if a business, paid service etc. ...disclaimers, waivers, etc. have zero value in the USA.  One can't dismiss liability.

It is just not true that liability waivers have zero value.  It depends on where you are.

Do waivers work?

One reason so many people are confused about whether waivers are effective is because waiver law is based on state law. Thus, the answer to the question "Do waivers work?" depends on which state you are in. Based on a study of state statutes and court decisions in more than 900 sport- or recreation-related waiver cases, each state can be classified as to its stance toward waivers. Some have very lenient requirements for enforcement, others moderate, and many have very strict requirements. Three states disallow such waivers entirely. (See Table 1.)
In at least 46 states, a well-written, properly administered waiver, voluntarily signed by an adult, can protect service providers from liability for injuries resulting from the ordinary negligence of the provider, its employees and its agents. Note, however, that not all waivers protect in the lenient states and not all waivers fail in the strict states.


from  The ABC's of Liability Waivers http://www.recmanagement.com/columns.php?fid=200611gc03&ch=1

Offline Jowanna

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Re: Liability Insurance
« Reply #10 on: May 15, 2017, 04:52:55 AM »
this seems to be worth checking out coveradvantage.ca