Re: Question about Insurance

**"* P* <r*@comcast.net>**

Nan,

Michigan State University Extension is basically cutting their county Master Gardener
Societies loose from their "umbrella" due to cost concerns (I guess). The state of
Michigan has cut back funding to the group in general. We still are an official
society, but we need our own insurance.

Do you know an agent or company you could recommend?

Send me your contact info and we can talk off line.

Thanks!
Sandie Parrott

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

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