RE: insurance

**&* H* <j*@knoxparks.org>**

I suspect, in general, that the source of the money is irrelevant.  In the
general scheme of things, it would be best for a large organization like
Vanderbilt, which already has loads of liability coverage and plenty of
exposure to go with it, to sponsor the garden and insure it.  The effect on
their premium should be negligible.  Small organizations trying to get
coverage for a single activity are the ones who pay big bucks.  I assume you
are getting insurance because the landowner requires it.    If the landowner
doesn't require it, you might just do without, particularly if the garden
organization is not incorporated.
Regarding insurance companies, that is generally a local issue.  Check with
non-profits in the Nashville area to see who provides their insurance.  Talk
to those companies and see what kind of deal you can get.  A good agent can
probably get you through the other questions as well.

Jack N. Hale
Executive Director
Knox Parks Foundation
75 Laurel Street
Hartford, CT 06106
860/951-7694
f860/951-7244

-----Original Message-----
From: community_garden-admin@mallorn.com
[c*@mallorn.com]On Behalf Of Jillian R. Ross
Sent: Thursday, June 17, 2004 11:07 AM
To: community_garden@mallorn.com
Subject: [cg] insurance

Hello,
I am with the Community Outreach Partnership center at Vanderbilt University
and we are putting together a community garden.  I wondered if you could
give me any names of insurance companies to use.  Also, we were wondering if
you had ever had an organization sign an insurance policy but have another
organization make the payments?  If this is possible, could this create
problems for the organization making the payments if a claim were filed.
Thank you,
Abi Ramsey
COPC

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