No subject

I seem to recall that if you are a band and you play in a hall you must have
liability insurance to cover any damage that occurs due to equipment
failure. The liability insurance does not discern who caused the damage but
that the equipment that the band owns caused the damage.

I am unsure as to why we as a corporation would purchase liability insurance
that covers our use of a hall much like that of the bands liability
insurance covers them. A grease fire in a building would be covered by both
insurances if the building's fire alarm and sprinkler system failed.

Perhaps your interpretation is weighted on the side of the extreme worse
case scenario and I honestly do not know a judge at least in Texas that
would let that case go to trial.

I could be wrong but that is ok.
Chiara

----- Original Message -----
From: <Fitzmorgan at aol.com>
To: <ansteorra at ansteorra.org>
Sent: Saturday, July 27, 2002 12:37 PM
Subject: [Ansteorra] SCA vs Nonmembers


> --
> [ Picked text/plain from multipart/alternative ]
> Personally I'm not all that concernd with the nonmember surcharge.  If you
> don't want to pay it then go get a membership.  What really concerns me is
> this part:
>
> <Begin Quote form BoD notes>
>
>
> > [Discussion sidetracked briefly on a question of waiver coverage for
> > nonmembers serving at events.  Andrew as Ex.Asst. answered that if a
> > non-member did something in the course of assisting at an event that
caused
> > damages such that they and the Society were sued then the SCA would not
> > defend and the SCA, Inc.'s insurance was under no obligation to defend.
He
> > took it further than that, stating that if the Society were held liable
for
> > some
> > damage not covered by insurance, the Society would sue to recover the
> > funds. (The example given was a sign that was hung, then later fell and
> > damaged a car.  If the sign were hung by a nonmember, the Society would
sue
> > to have them pay for the coverage of the car owners deductible so that
the
> > Society would not have to do so.  It could just as easily be accidental
> > damage to a window or equipment in a kitchen.  If you aren't a member,
> > perhaps you should
> > reconsider donating your time and effort at events, as the SCA, Inc.,
> > unlike the local group, doesn't value your assistance as much as it does
> > someone who has paid dues.]
> >
>
> <End Quote>
>
>        Imagine if you will a feast at an event.  The Head Cook is a paid
> member, and has both members and nonmembers helping out in the kitchen.
> During the course of preparing the feast a grease fire starts and gets out
of
> control burning down the feast hall.  Various people, members and
nonmembers
> have been tending the stove but no one is at the stove when the fire
starts.
> It seems posable to me that the SCAs insurance carrier could refuse to pay
> because there were nonmembers present and the SCA might then sue all the
> nonmembers who were helping in the kitchen, to recover losses.  Consider
that
> the cost of replacing a large building might well be more than the SCA
Inc.
> could pay.
>
>        Since a lot of site owners require insurance as a condition of
renting
> us a site, knowing that the insurance won't cover damages caused by
> nonmembers, are we legally or morally obligated to not let nonmembers help
at
> our events?   Are we morally obligated to tell the site owners when we
rent
> the site that we won't be responsable if someone who isn't a member causes
> damage?  Will anyone rent us a site if we do?  Depending on how this is
> interpreted, this could lead to major changes in how we operate.
>
>        Can someone with more knowledge of these matters please comment?
>
> Robert Fitzmorgan
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