Re: [BOD] Ride Insurance

[BMcCrary27@aol.com]

In a message dated 5/18/99 10:10:44 PM Pacific Daylight Time, 
endurancevet@zianet.com writes:

<< I think that AERC should require conformation of liability insurance 
naming AERC as insured before the ride can Start as a sanctioned ride.  After 
all the BLM and Forest Service require it  and they got money.  Barney
  >>

The AERC policy does insure AERC against liability.  It is also a policy that 
ride managers can use to insure their events.  It costs $110 for a one-day 
ride (this includes 24 hour 100 milers) and will insure the ride management 
(including personnel) and unlimited additional insureds (at no extra cost).  
A multi-day ride may reuire only 1 or 2 additional insureds (such as BLM, 
Forest Service, fairgrounds, state) to be covered.  A ride held on private 
property may require 10 or more.  It is by far the best value in insurance in 
my 25+ years of ride management experience.  It is affordable, and Insurance 
One, Inc. who handles the policy is very efficient and fast.  Once I came to 
realize that I had forgotten to apply for insurance for a certain ride.  They 
had the policy in place and certificates faxed to the additional insureds 
within 2 days.  I highly recommend it.  It seems to me that uninsured rides 
can bring down trouble on AERC.  If a ride manager feels HE has nothing to 
lose, that's one thing, but the person suing could go after AERC if he feels 
the manager has nothing to give.  As much as I dislike too much regulation, 
maybe it's time for AERC to require rides to be insured as a part of 
sanctioning approval.  Something to think about ....

Barbara McCrary
Chair, Ride Managers' Committee


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