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Thread: Insurance Requirement

  1. #1
    Registered User
    Join Date
    Jan 2006

    Insurance Requirement

    Hi I know there are many here involved in planning events.
    My local club, OSBMWR, is planning a 200 mile miniature rally. Half day, gather bonus locations and then have a meal with a few prizes. Our BOD is questioning whether we need insurance for this event.
    We are advertising it and there is a fee for lunch ( $10). We buy insurance for our annual regional rally through the MOA but that is four days and camping.

    Our local rally chair has tried contacting the MOA insurance people but doesn't think they offer one day event insurance.
    Do any of you event planners have knowledge as to this type of event?

    Bill Kenney
    Bill Kenney

  2. #2
    Curmudgeon At Large Bobmws's Avatar
    Join Date
    Mar 2003
    Astatula, FL
    Many, many, many years ago we (now defunct Central Fl Beeline Beemers) used to get rally insurance through the AMA. It also required a couple of folks attending a group seminar. But that was then......
    Bob Weis
    Bikeless! 2004-bmw-k12rs-hannigan-Sold!

  3. #3
    Registered User BMARC153920's Avatar
    Join Date
    Dec 2014
    Orange County, NY
    You should buy event liability insurance and name all the people who are involved in the arranging of the event as well as any location which may be used as gathering point as insureds. There are many agents that sell this, but it's more on the commercial side your local state farm guy may not know about it. One day coverage is common and easily purchased.

    So I'd suggest you contact commercial brokers such as Marsh or Willis they have small lines departments built specifically for these types of needs. There are if course local brokers that can do this as well if you can locate a commercial broker. Note there is a difference between a broker and agent for this coverage you want to work with a broker.

    I'd also get waivers signed by all participants and show that to the broker for lower rates.

    Sent from my Nexus 6 using Tapatalk

  4. #4
    Registered User ExGMan's Avatar
    Join Date
    Sep 2009
    Chestnut Hill, MA
    I just Googled "One Day Event Insurance." There are many options, and some companies, Progressive is an example, have an online application and instant quotation.
    John Gamel - BMW MOA Consumer Liaison
    2015 Ebony Metallic R1200RT
    “So often times it happens that we live our lives in chains
    And we never even know we have the key”

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