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Old 07-14-2013, 09:49 AM
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jenb jenb is offline
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Insurance for Non-PDGA Event

How do you go about obtaining insurance for a non-PDGA event? What companies will insure disc golf tournaments?
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Old 07-14-2013, 09:59 AM
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MikePinchico MikePinchico is offline
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Events.com
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Old 07-14-2013, 10:20 AM
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DavidSauls DavidSauls is online now
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Insurance agencies that handle business insurance, can issue event policies---liability policies for a single event. However, they have minimum premiums that can be a financial hit. I'm in insurance but not this end, but around here I think the minimum premium is $400 or more.

If an organized and incorporated club is running events, it's probably more cost effective to get an annual policy covering everything the club does. Again, an insurance agency that writes business insurance would be a starting point.
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Old 07-14-2013, 12:27 PM
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Thanks.

IF a club has an annual policy, is it possible for the club to let someone run an event under their policy?
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Old 07-14-2013, 12:36 PM
JC17393 JC17393 is offline
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Quote:
Originally Posted by jenb View Post
Thanks.

IF a club has an annual policy, is it possible for the club to let someone run an event under their policy?
I'm not an insurance person, but I think it would depend on the policy. I would think that it covers all club activity, as long as you were a member of the club operating with club consent/approval, you'd be covered.

But it is probably a question better asked of the club's insurance provider or whatever club member is responsible for dealing with the policy.
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Old 07-14-2013, 01:41 PM
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DavidSauls DavidSauls is online now
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Exactly.

And their answer will be subject to what you mean by "somebody else" and "run". But if the club's not responsible for it, the liability policy probably won't cover it. If the club is designating a club member as T.D., running the finances through the club, etc., it's probably good.
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Old 07-17-2013, 03:13 PM
Chains Bailey Chains Bailey is offline
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I have never heard of $400 for insurance, that seems really high --- maybe just a regional difference.

What I would suggest is - if it is more than $100, just sanction the event through the PDGA.

$50 C-Tier sanctioning fee
$50 PDGA insurance fee

Just a thought.
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Old 07-17-2013, 03:35 PM
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Quote:
Originally Posted by Chains Bailey View Post
I have never heard of $400 for insurance, that seems really high --- maybe just a regional difference.
It could be high, or could be regional (insurance varies greatly state-by-state). I'm in the insurance business, but haven't dealt with event policies myself.

But I wouldn't bet on it. These are commercial liability policies, and all have minimum premiums.
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Old 07-17-2013, 03:39 PM
Atrain Atrain is offline
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Quote:
Originally Posted by Chains Bailey View Post
I have never heard of $400 for insurance, that seems really high --- maybe just a regional difference.

What I would suggest is - if it is more than $100, just sanction the event through the PDGA.

$50 C-Tier sanctioning fee
$50 PDGA insurance fee

Just a thought.

FYI: The extra $50 for the insurance through the PDGA isn't always necessary. ALL sanctioned events are covered by the insurance policy. The $50 is only if you need them to generate a certificate listing the covered entitities. Some parks, counties, and cities require this certificate for the event. Some don't.
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Old 07-17-2013, 04:16 PM
#19325 #19325 is offline
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Insurance is expensive. DISContinuum Disc Golf Club has yearly insurance and it's around $300 per year. All we have to do is ask for specific event to get a certificate of liability.

It's much easier PDGA sanctioning to get insurance.
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