Quote:
Originally Posted by Drolefille
Think of it this way. Lets say, someone of legal age drinks at one of your parties. S/he goes home on the bus (per the rules) but then goes to a bar and drinks even more. After that s/he gets in his/her car and drives into a pole.
Even though you followed all of the rules, you organization can still be held liable. IF you don't have insurance, your president and any members also deemed liable can lose their house, and everything they own. We were also told that our president's parents could face the same consequences. (Particularly since college students are still dependents). Your chapter will be shut down.
And that's in a situation where no one in the chapter actually did anything wrong.
It is much better to have the insurance and never need it, than to need it and not have it.
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It is a good point as you stated, but as a small local or National of smaller conferences it is very hard to get.
I think most Big GLOs probably use Lloyds.
Drolefile, I am not sure about your last analogy of doing proper things and the person left the party and then getting into an accident?
It would really be interesting on getting a true legal oppinion on this point.
It could be a help to all of us.