[Woodcarver] Club Liability Insurance

[Ivan Whillock]

You can take all the precautions, never do anything wrong, and still need
liability insurance.  You need insurance to protect you from not only the
legitimate claims but from the frivolous ones--someone who claims they fell
because the "smell of the finish on your carving made them dizzy."   The
whole thing may be thrown out, but up to then you need representation
provided by the insurance company.

In certain situations a victim SHOULD sue--to get medical bills paid, etc.
if a bit of carelessness--having a tool box in a walkway--helped cause an
accident that is financially costly to him.

With liability insurance the other members, then, won't be resentful when a
friend brings a legitimate suit against the club's insurance company.
----- Original Message ----- 
From: "Bill Smith" <baydolphs at yahoo.com>
To: <woodcarver at six.pairlist.net>
Sent: Thursday, June 30, 2005 7:00 AM
Subject: [Woodcarver] Club Liability Insurance



> DONATIONS to the Woodcarver Mailing List can be made using PayPal OR

regular mail. Click this link: http://wwwoodcarver.com/WWWList/WWWList.html

> Sorry 2 hear about this members accident n glad he did

> not sue your club. Had not thought about insurance 4 a

> club. Also where is your club meetings as they should

> have slip n fall coverage n should be looked into if

> its a public place. Also tool space should have a

> table 2 put it on.

> --- woodcarver-bounces at six.pairlist.net

> <jdillett at thecarvingshop.com> wrote:

> > DONATIONS to the Woodcarver Mailing List can be made

> using PayPal OR regular mail. Click this link:

> http://wwwoodcarver.com/WWWList/WWWList.html

> > 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

> >

> >

> > DONATIONS to the Woodcarver Mailing List can be made

> using PayPal OR regular

> > mail. Click this link:

> http://wwwoodcarver.com/WWWList/WWWList.html

> > 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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