05-06-2024, 01:04 PM
(05-06-2024, 12:46 PM)Andy Bennett Wrote: Andrew: I know we have been over this before but it is 100% the organisers role to have public liability insurance. I would question whether Haggerty offer this as a part of regular insurance.
You have previously said yourself that their wording is ambiguous and unclear regarding moderns etc. Their standard wording is that they offer 'third party liability insurance'. This isn't the same as public liability insurance, it is just a regular part of comprehensive insurance. To have public liability insurance an insurer would want to know what type of event/s you want insurance for. This is why each event has its own appropriate insurance. Is the insurer insuring you on a road race event where you are running on the ragged edge and risk spinning off and hitting a spectator or for sitting in a field on a deckchair with people wandering around? They would want to see your risk assessments and mitigations to protect the public. Without this knowledge they simply can't be offering you a do anything 'public liability insurance' as a standard part of your annual insurance.
I did question Hagerty and they assured me their cover was sufficient to attend these events that asked us to sign. RH assured me they did not.
I would expect my insurance to cover me for anything I am liable for, and expect the organisers to have insurance for anything they are liable for.