Improving Charity Walks through Collaboration
Jog/walk-a-thon insurance requirements?
I am hoping to plan a jog/walk-a-thon for kids, with the money raised going partly to The Leukemia & Lymphoma Society and the rest to charities of the kids' choice. I have permission to use the field at a local Santa Cruz, CA school where my husband works, and although they have a hold harmless agreement for me to sign, it doesn't sound like they require any additional insurance. I'm sure that I'll need to have participants sign waivers for liability in regards to me and the school, and have them sign consent forms for the participation of minors. Should I ask for proof of medical insurance from them as well? Since I'm not a part of a non-profit and am just an individual raising money for non-profits, I don't have the insurance coverage that a non-profit organization would likely have. I know that there is such a thing as special event insurance, but I can't quite understand why I would need it, if everyone has signed waivers and the school doesn't require it to use their facility. Does anyone know if there would still be some sort of risk involved if I proceed without it? Any advice would be super helpful.
I am a member of Team in Training, training for a marathon and committing to raise money for the Leukemia & Lymphoma Society. This is my idea to help raise the funds I've committed to raise, as well as creating a neat local event for the kids in my community. I would love to see it come to fruition, but the insurance and legal stuff is feeling like a bit of a stumbling block.
Thanks in advance for any helpful insight on my particular situation!
Sara
Replies to This Discussion
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Permalink Reply by Brian Carney on -
Sara - well done on your organization and effort. A few thoughts for you:
1) Waivers aren't bullet proof by any means - they show intent to warn/advise your participants on the nature of the event. If they or your volunteers or bystanders are injured or otherwise and should they or their insurance company sue for any reason the waiver will help your case
2) If your event isn't raising enough to pay the rider on the insurance coverage you might need I'd be cautions moving forward. Don't bet on the goodwill of your participants - that's not a risk worth taking. Speak to three brokers, get the coverage and relax on run/walk/ride day
3) I started and run a multi-city www.rideforrefugees.com and last year spent on average $400 per location FYI
Best wishes
Brian
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Permalink Reply by TTIB_insurance on -
My producer Steve suggested that Sara find an Independent Agent in her area for consultation. He said, she will most likely have the risk of lawsuits possibly resulting in liability despite any hold-harmless agreements or waivers. A local agent will be better able to answer your questions. Sorry we couldn't give any more information.
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Permalink Reply by Roger Carr on
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Sara,
I know this is off-topic from your question, but I am curious as to how are you making the donations the joggers/walkers receive be tax-deductible (or are you).
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