[Woodcarver] Club Liability Insurance

[Joe Dillett]

Hi Ed,
At one of our club meetings, a little over a year ago, one elderly member of
our carving club tripped over a toolbox someone set on the floor. This
person broke their wrist in 3 places and broke their noise. After 3
surgeries on his wrist and metal pins still in he is beginning to carve
again. It will never be the same movement but he said the pain is gone. He
would have never sued the club or the individual who left his toolbox on the
floor. Medicare left him with over $2,000 out of pocket expenses. We have
been doing raffles at our meetings to help him cover his costs. Many
individuals would not be able to pay this $2000 deductible and they would be
left with no alternative but to try and collect from the responsible
parties. Fortunately for us this individual recognized that he perhaps was
the most responsible for his own accident.

If it was anyone else lawsuits could have destroyed our club. I can only
imagine that the elected officers, I being one, would have been held liable.
The individual who's toolbox he tripped over would have been sued.

We had thought about the owners of the building, who allow us to use it for
$10 a meeting, having insurance to cover this but we would surely have lost
our nice meeting place as a result of a claim.

Since than we purchased insurance with Country Companies, I believe about
$200 per year, which covers us for this type of liability. We got the
insurance through one of our club member who is an agent with Country
Companies.


Joe Dillett
The Carving Shop
645 E. LaSalle St. Suite 3
Somonauk, IL. 60552
(815) 498-9290 phone
(815) 498-9249 fax
http://www.thecarvingshop.com
jdillett at thecarvingshop.com
http://www.carvingmagazine.com Carving Magazine web site and Readers Forum
http://community.webshots.com/user/joe_dillett
http://www.citizenactions.org
http://www.safeguardsystemsinc.com
**************************************************


----- Original Message ----- 
From: "Ed Ertel" <erteled at yahoo.com>
To: "Woodcarver List" <Woodcarver at six.pairlist.net>
Sent: Wednesday, June 29, 2005 5:21 PM
Subject: [Woodcarver] Club Liability Insurance


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At the most recent meeting of the Mystic Carving Club
(CT), last weekend, the club officers remarked about
the increasing cost of liability insurance.

It's hard to do a comparison, since there aren't a lot
of companies that advertise a product like this.

Does anyone have tips, first of all, on the importance
of carrying this type of insurance, and secondly, on
how to shop around for it?

Thanks
EdE
Tolland, CT



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