there's an interesting thread at nefa.com about event insurance:
http://www.nefa.com/phpbb/viewtopic.php?t=4531

Basically questioning what constitutes an organized event, and does the insurance ever actually come into play. Why do 25 disc golfers playing for charity need insurance, but a group of 25 tackle football players don't?

Thought I'd throw the topic up here too...forgive me if this is already a thread somewhere.

walker,

If you are the organizer of a bunch of tackle football players who are playing for charity, and anybody gets hurt, you will wish that you had insurance for your event.

I half agree with you, Peter. Obviously insurance would be helpful, but I also think there are inherent risks in doing any activity, you can't insure everything. That's what personal insurance would cover I guess.

I think the question was where is the line of 'organized event.' Say 30 people show up for weekly dubs, does that require insurance?


The nefa thread was started as "what's the best way to get cheap insurance for non-sanctioned events."

Require... No.

Probably should have.

It is something that I think about often but we do not have the funds for something like that.

The "inherent risk" argument is not really going to hold up in a court of law.

isn't the risk for a given individual the same though, for a casual round playing by yourself, or playing a round in a tournament? In the former your personal insurance would cover any injury, so why does the later require additional insurance, to cover what?

the injured party will look for something larger than just the person who threw thedisc. he'll go for anyone who contributed to the incident. the event organizer, for obvious reasons. the city's parks & rec, for allowing/promoting the hazard. hence, organizers often consider insurance. cities frequently dont have a choice.

You need insurance when the owner of the course says you need insurance. If the course owner is a governmental unit, do not expect any rationale or consitancy.

isn't the risk for a given individual the same though, for a casual round playing by yourself, or playing a round in a tournament? In the former your personal insurance would cover any injury, so why does the later require additional insurance, to cover what?



The insurance is not to protect the players. It is to protect the organizers and/or course owners against lawsuits.

The insurance is not to protect the players. It is to protect the organizers and/or course owners against lawsuits.



I'll give you that. But can't that be accomplished by having all the players sign a waiver? I would suggest coming up with a legal, standard one that everybody could use. maybe the pdga could provide a pdf to download.

a waiver is only good if it gets the signee to think they can't sue. i'm not a lawyer, but from what i understand signing a waiver doesn't necessarily waive anything. iow, it does not preclude one from seeking legal remedy for injury... insurance otoh can CYA

Insurance just seems like a no-brainer when using a public park because of anything that might happen to non-discers like getting knocked out by a disc!

the peoplee that are at a public park may be injured in some way. all injured people are will not seek restitution, that being said as soon as the lawyers get involved the responsible party will change the deepest pocket instead of the personal responsebuilty. i believe most people would be satisfied with an appology. the problem lies with the other minority that doesnt take responability for their own chance accidents, shame on those layers and the judges who give the judgements that are not resonable.