[freegeek-startup] Business Insurance

[Tom Brown]

Free Geek Michiana (FGM) researched medical and legal liability 
insurance several years ago. We consulted insurance agents in town. 
Local agents will give you hard figures on coverage in your area. 
Insurance was too expensive so we chose to rely on the coverage of 
the organizations which donate space in their facilities: the 
Salvation Army church in which we conduct our lab and the 
manufacturer/distributor's warehouse for our recycling operation. I 
haven't checked recently re coverage. And I should -- policies change.

Don't forget the civil liabilities like assault, rape, sexual 
harassment, gender and race discrimination.

Tom

At 07:56 AM 8/25/06, you wrote:
>Hi Shawn,
>
>Sure is great that your are thinking about this... wish I could 
>offer something concrete on this, insurance and liability issues has 
>always been something intimidating to me.   I've talked about this 
>issue with various GEEKs and seems the general consensus is, yes 
>there are always going to be injuries, sometimes sticthes  may be 
>required (why are computers so sharp?), but generally the kind of 
>people who participate on these types of projects won't try to sue 
>you.  And as long as you are not negligent, ie you have a first aid 
>kit, emergency numbers posted somewhere and follow other safety best 
>practices, it's not likely they will be able to sue you.   Still you 
>need to to do your due dilligence and find out what policies are out 
>there, let us know what you find out!
>
>Best,
>John
>
>btw, I know of at least two volunteers who have dropped monitors on 
>there feet, but that's nothing, once I dropped a Sun Enterprise 
>Server 400 on my foot, fortunately nothing was broken but I sure 
>limped for a couple days.
>
>
>
>
>On 8/22/06, Shawn Campbell 
><<mailto:obe1968 at yahoo.com>obe1968 at yahoo.com> wrote:
>I did not really find any solid information on the fg wiki site 
>pertaining to liability / casuality insurance. Can anyone please 
>give us some insight on what they might be paying, what the policy 
>covers, etc.?
>We are shopping around right now and trying understand what we would 
>need as far as coverage and some sort of policy to cover volunteers 
>if there were to get hurt and so on without the insurance company 
>trying to sell us something we do not need.
>Thank You...
>Shawn M. Campbell
>Rutherford County Computer Recyclers
>Get your own web address for just $1.99/1st yr. We'll help. 
><http://us.rd.yahoo.com/evt=41244/*http://smallbusiness.yahoo.com/>Yahoo! 
>Small Business.
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