Rally liability risk

[LI Pets]

I was wondering, many rally's are organized here and no dues clubs have formed.
I assume none of these have rally or event insurance.

If a catastrophe occurs who's responsible, you?

All WBBCI rally's are insured.

I don't think your home owners will cover a loss or your auto coverage.

Lets say folks are drinking around the campfire that person goes out on the road injures someone...DWI, will they look to the rally organizers or all the participants.
A child trips on a campfire log into the fire, gets burned.

I believe this is something to consider, event insurance is available.

Not cheap it costs about $200-500 for a weekend event, but you will not have your personal assets at risk.

The cost would need to be shared by all attendees, maybe only $10-25 per attendee.

What do you think?

.

[Chief]

I think you should probably not attend any of our rallies!
Chief

[Frank's Trailer Works]

... nice subtle sales tactic with the WB insurance...
Now I would not know as much about lawsuits as Bob, he has years of experience in that area. I do know however that the insurance the WB has covers officers. It does not cover the common guy attending. It cover the board and officers. Many are mislead by that.
A better question to ask is "has this liability insurance ever been used?"
Back in the old days people actually took responsibility for their kid tripping and falling into a campfire. People took personal responsibility for not getting drunk and killing someone. Unfortunately many lowlifes make a career of using lawsuits for their financial gain.
What do I know about liability insurance? It is a racket, a total racket..
I also know what it cost, because it ate close to 10% of the entire budget of a rally I hosted. Imagine the fireworks we could have had if liability insurance had not been needed.
Four days, 85 trailers= $1000 I know that for a fact

[Mikethefixit]

Im Sorry BOB I agree with Chief. You make real sure you dont attend any rallies that dont have those letters WBCCI behind them,cause you might get drunk and fall in da campfire and get burned and you will not have anyone to blame.
Those of us who belong to these other organizations are responsible adults and assume responsibly for ourselves.We dont need anyone to blame or fall back on . We just wanna camp and have fun. SO Please go do your own thing and leave us alone.

[Boondocker]

I think fear mongering comes to mind

[kennethowens]

Every person is responsible for their own behavior.

Aint no insurance for some things in this life.

[Boondocker]

And I think the thread is disingenuous as the WBCCI lawsuit became


dis·in·gen·u·ous
–adjective lacking in frankness, candor, or sincerity; falsely or hypocritically ingenuous; insincere: Her excuse was rather disingenuous

[blmitch5]

I'm going to a NON Sponsed event this morning. I'm sure there is no insurance and I plan to be careful but if I have one two many martinis trip and fall I have my own insurance to cover me. Also I have $300,000.00 of campground liability insurance and it costs me @ $9.00 a year just incase a litigious sob decides to sue. I for one like the idea of a small fun (no bs rally) now with that said I might join a club or two because I want to but not because of the rally insurance.

Let's all be happy campers! No where's that martini!

[jm2]

Originally Posted by LI Pets

I assume none of these have rally or event insurance.

All WBBCI rally's are insured.

I don't think your home owners will cover a loss or your auto coverage.

Lets say folks are drinking around the campfire that person goes out on the road injures someone...DWI, will they look to the rally organizers or all the participants.

A child trips on a campfire log into the fire, gets burned.

I believe.... event insurance is available.

Not cheap....

The cost would need to be shared by all attendees, maybe only $10-25 per attendee.

What do you think?

.

first, I think, thanks for helping my day start with a chuckle!

this starting post of this thread makes me think of the current series of Allstate Insurance "Mayhem" commercials.... (of which, there are more than just these two)

http://www.youtube.com/watch?v=5-Sjl...eature=related

http://www.youtube.com/watch?v=bIoi-oCaFHs

given this author's centrality to the current WBCCI lawsuit debacle, it's truly amusing to to hear someone who solicited now unused and unreturned cash $$ contributions talk about "having your personal assets at risk."

thankfully, only a small amount of our personal assets....


so today, we have a new message spreading fear, uncertainty, doubt, and obfuscation.

my grandfather's observation of this opening post would likely be "that's mostly just bull----", and many of us would agree.


yes, in this overly litigious society, unscrupulous, unreasonable, and unprincipled people turn can turn their own personal problems into your legal problem. regrettably, it happens every day.


what I think, is, that folks who want to organize rallies and events differently from a traditional WBCCI based model can and should be applauded and supported.

as an example, the June 2010 (not-Wally Byam's) Birthday Bash was an unparalled success. much of that great success began with the attitude and perspective of the organizers. (thanks again, Rob, Frank, Steve, John, et al!)

the organizers provided insurance that protected all the interested parties, including themselves. probably a reasonable idea given the scope of activities in that event.


I've not yet had the opportunity to attend the "CanOpener" in Topsail, FL in January. that looks like an event that's gone on more than once, quite successfully, and yet I see and hear no concerns or discussion of liability or insurance there? Devoman, perhaps you can weigh in on this question?


if anyone has a real concern about insurance issues, one might instead consult their insurance agents or attorneys first, rather than coming here for information, or in too many cases, disinformation.

the point is that WBCCI insurance, or any insurance for that matter, is not necessarily the starting or ending point for any given activity. anyone made uncomfortable by such things might simply, instead, decline to participate, rather than spread fear, uncertainty, or doubt.


oh, and thanks for the business suggestion about sharing the cost....

[thecatsandi]

Originally Posted by 62overlander

A better question to ask is "has this liability insurance ever been used?"
Back in the old days people actually took responsibility for their kid tripping and falling into a campfire. People took personal responsibility for not getting drunk and killing someone. Unfortunately many lowlifes make a career of using lawsuits for their financial gain.

Thank You. We need a revelolution for responsibility in this Country.

[blmitch5]

I love the videos! Watch out for mayhem!

[kennethowens]

Maybe consult with an attorney about attending - ha

[LI Pets]

Originally Posted by 62overlander

... nice subtle sales tactic with the WB insurance...
I do know however that the insurance the WB has covers officers. It does not cover the common guy attending. It cover the board and officers. Many are mislead by that.

Frank you're incorrect, each and every participant is covered for $2,000,000.

What do I know about liability insurance? It is a racket, a total racket..
I also know what it cost, because it ate close to 10% of the entire budget of a rally I hosted. Imagine the fireworks we could have had if liability insurance had not been needed.
Four days, 85 trailers= $1000 I know that for a fact

no argument there, it's great that you and Rob had the foresight.

[RickDavis]

Originally Posted by 62overlander

...
A better question to ask is "has this liability insurance ever been used?"
Back in the old days people actually took responsibility for their kid tripping and falling into a campfire. People took personal responsibility for not getting drunk and killing someone. Unfortunately many lowlifes make a career of using lawsuits for their financial gain.

I do belong to an organization where an attendee did get drunk and did fall into a large barbecue pit (not in use at the time)

Instead of taking responsibility for his own actions he did sue for $100k, knowing the organization had insurance. At this time the insurance co. has made a MUCH smaller offer. The complainant has worn out one lawyer and is now on number 2 and the matter is unresolved after several years.

The question in my mind is, would a suit have even been filed if there had been no insurance??

[eubank]

Originally Posted by RickDavis

I do belong to an organization where an attendee did get drunk and did fall into a large barbecue pit (not in use at the time)

Instead of taking responsibility for his own actions he did sue for $100k, knowing the organization had insurance. At this time the insurance co. has made a MUCH smaller offer. The complainant has worn out one lawyer and is now on number 2 and the matter is unresolved after several years.

The question in my mind is, would a suit have even been filed if there had been no insurance??

It's a really tough question, Rick. Would knowing that an organization had no insurance cause a lawsuit-happy person not to sue? I just don't know. What I do perceive is that people seem to sue like crazy nowadays. It's common enough that it becomes very difficult to understand just who might be tempted to sue. Scary.


Lynn

[Over59]

Very windy in Ct today. Lots of nuts falling off the trees. You never know where one may land. Give it up, this is a dead issue and poor marketing point.
I you have some really good sh.. you should have personal liability insurance anyway. If you have alot of .... and don't have that then we are back to the tree litter....

If you are not an official what's the beef...

[GREENovaters]

Personally, I agree with everyone who has felt that people need to be more responsible for their own actions and stop jumping on anyone they think they can blame. Professionally, I would suggest insurance because of the occasional ass that attends, does something stupid and then refuses to admit it was their fault and sue.

Personally, I say shoot the guy who fell into the pit and decided to sue. Professionally, I say get someone else to shoot the guy who fell into the pit.

[Dave Park]

I find the first post to be a bit like mafia protection: hey, nice rally you got there. I hope you got insurance, 'cos I would hate to see anything, you know, 'happen'....

Would it be within the realm of one club to have someone attend a rally at another club, JUST to spark a lawsuit to end the competing club?

Gunfire at dawn!

Or as we call it: FUD

[funkill]

Interesting thing happened to me the other week.....

Received a call from my health insurance company in regards to my recent visit to the local emergency room. They wanted to know the details of the accident in case it could be covered by another source. Fell off a horse on county property... and I'm in an Equine Warning Law state. No more questions.

I wonder if personal insurance would try push for suit... Geeze.

Laura

[robandzoe]

Originally Posted by LI Pets

I assume none of these have rally or event insurance.
.

Yes, the TAC's BASH had a hefty Event Insurance package... We also had a form you had to acknowledge upon registration for "Hold Harmless" agreement as well.

This was all figured into the BASH fee.

It is suggested.