Re: Question about Insurance

**N* S* <N*@PlantSoup.Com>**

Sandie, 

I organize a large garden tour here in Encinitas (next one is April 21 if anyone wants to come!) and we ALWAYS have insurance.  I wouldn't do the event without it.

If the tour is an "official" MG tour, then there is no reason they shouldn't cover the tour - it is one of their functions and I can't imagine how they could justify denying coverage to one of their own events.  

If the tour is not official MG business, then ask the MG society whether they would consider including the tour as a rider on their bigger policy - and have your organization can pay the difference.  

If you have to find your own policy, you are looking for a "Special event" policy.    

Such insurance should cover you, the organizers, volunteers, and homeowners.  The bus company should name your organization as an "additional insured."  I'd be surprised if the MG Society wouldn't want to be named as additional insured by both the bus company and your organization too.  But if they ask that, it implies that they still consider the tour to be part of their function which would lead me back to asking them to provide the insurance. 

If you want more information, contact me off-line.

Nan

On Mar 28, 2012, at 11:32 AM, Sandie Parrott wrote:

> Hey everyone, 
> 
> Hasn't been much activity on the web lately...everyone must be out in their (or
> someone else's) garden.:-)
> 
> Anyway, I lead a garden tour for the Master Gardener Society in my county in
> Michigan. We have recently been told we will no longer be under the "umbrella" of our
> state extension office starting July 1st. There are other possibilities that may
> arise, but until they do we need separate insurance. Since many of you plan tours and
> events (including those for GWA)...maybe someone can help...
> 
> We need to get some type of insurance to cover the few (about 3 a year) tours we do
> and possibly other events for our county Master Gardener Society.
> 
> Could you reply to me (off list if this isn't GWA appropriate)...as to what insurance
> to look for...a possible recommendation for an agent or company that you have
> used...and/or general advice.
> 
> The bus company covers us while getting on and off the bus and while moving and
> parking. We need to be covered for the rest of the time...while in the
> gardens...hotel?...etc.
> 
> Hey, I'm also still looking for prizes for the trip if anyone would like to
> contribute one or two...I'm not picky.and I would be eternally grateful...well, at
> least grateful for a very long time.:-)
> 
> Thanks so much!
> Sandie Parrott 
> Writer/Blogger/Photographer
> MG Society - Trips and Tours
> 248-394-1532
> 
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