Here is what John Sourbeer wrote. It has a better description of events.
1. We have $1,000,000 liability coverage for participants and spectators for all 'social events' that any of our Chapter Clubs hold. That means your monthly meeting has liability coverage of something happens. this is automatic, and I did not even know we had this! Kinda cool. We also have a 'host liquor' license, which means we are still covered if we are giving away alcohol, but we are NOT covered if we take money for alcohol. Handing out a beer is fine, charging $5 a cup is NOT. A 'social event' is basically any event where the wheels are not moving, so no runs of any kind. They must have an actual event policy.
2. Poker Runs: $1,000,000 liability for spectators and participants. Covered do NOT have to be TLCA members or even registered for the event. HOWEVER...vehicles must be insured and legal for road use to be covered by our policy. I know that we check this at Cruise Moab, but not sure other events do. There is an additional policy we can purchase to cover buggies, I am getting more info on that now. we also have a $100,000 coverage that covers any damage we might incur on emergency vehicles such as fire trucks, police cars, ambulances, etc while they are attending to any issues we might have. In addition to the Poker Run, we also have Class I coverage for any event at NO additional cost. This is for longer events, such as Cruise Moab, and for anytime you need overnight coverage like camping. A Class I event is a reportable event and we must let them know, but there is no additional cost. I will start asking events if they require any kind of overnight coverage and if they are longer than 3-4 days. For week long events we may need to purchase additional coverage or break it up into multiple events.
Any questions? Please let me know.
Thanks.
John Sourbeer
