Re: [AISdiscuss] 2006 Spring Insurance Report

[GormleyGreenery@aol.com]

In a message dated 5/8/2006 12:46:37 P.M. Central Daylight Time,  
gerrysnyder@comcast.net writes:

no No  NO!!!!

Clarence and others, please remember that the insurance protects  us (AIS 
Central) and not just them (clubs, regions, ...) Lack of insurance  does 
not imply lack of responsibility. If a club chooses not to have  
insurance, and a suit arises from an accident at a show of theirs (an  
official AIS event), AIS will be one of the sued parties, insurance or  
no. Even if some company will write such a policy (and Michelle has been  
told that the current carrier won't), we don't want it.

Partial  coverage is _not_ an option we should  pursue.

Gerry



Agreed!!!  As a retired Insurance professional with credentials  out the 
yazoo (CPCU, etc), I know Michelle and Gerry are absolutely  correct.  There is no 
"severability" in an organization like this and any  insurance company that 
would insure under such circumstances would be "suspect"  because it wouldn't 
hold up in Court.  I could quote all kinds of boring  insurance law and Bob 
Plank could quote you even more legal precedents but  unless you need a sleeping 
potion, you don't want to hear them!  But if you  do, let me know and I can 
give you the gory details.
 
Either AIS has liability insurance for all its function and "members",  
whether AIS or just Affiliate non AIS members, or it doesn't have  any!
 
I am glad to see so much thought and suggestions going into this topic  
because it is REALLY important to the life of AIS as we know it.
 
 
Rita  Gormley
Region 18 RVP, (CPCU, AU, AAI, ARM, yadda yadda)
Cedar Hill,  MO
AIS Region 18, Zone  5
http://www.gormleygreenery.com/

---------------------------------------------------------------------
To sign-off this list, send email to the AIS Secretary
aissecjill@earthlink.net.