Liability Insurance

Courtney Cartwright

Message 9072 · 26 Sep 1997 11:00:54 · Fixed-width font · Whole thread

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Our group is a part of a local Scottish Society which incorporates Pipes and
Drums, Highland Dance, Ceilidh Band, etc. We have a liability policy which
covers all of our activities, including dance classes and performances. Please
note, however, that when one of our dancers was sued by another dancer for
injury at a workshop, our policy was cancelled, even though we made no claim
through the policy. The case was settled out of court by the dancer's
homeowner's policy, but somehow our insurance provider found out about the
case and stopped our policy. We then had a difficult time in finding
replacement coverage -- at an increased premium.

I have increased my personal liability to a significant level as a result of
this incident. We have also instituted a waiver system, where everyone who
dances signs a waiver before dancing, informing the dancer of inherent risks
in dancing and ascertaining that the dancer is at their own risk for injury.
I know it's not worth the paper it's printed on, but at least they can't say
they weren't warned.

As far as the injury, the injured dancer did not inform either the local
teachers or the workshop teachers of her injury. She told another class
member who advised her to stop dancing, elevate the foot and ice it in a
compressed bandage. But the dancer, being relatively new, wanted to
experience the whole workshop and continued to dance on the injured foot for
the rest of the workshop -- including the ball. I would strongly advise
workshop organizers and teachers to regularly announce that you want to know
of ANY injuries when they happen. Had we known about this dancer's injury
we would have forbidden her to dance and made certain se received medical
attention in a timely manner.

Enough administrative stuff....

Courtney Cartwright
Tucson, Arizona USA
xxxxxxxx@xxxxxxxx.xxx

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