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[RC] AERC ride insurance - Nancy Mitts

Mike (and the rest of the board),
I'm really against all rides automatically being charged for insurance through AERC.
If some rides are unable to find insurance as a stand alone event, then most likely a regional/other organization would not be able to insure a stand alone event such as a clinic or meeting. Therefore they really would be "over the barrel" so to speak in covering their rides and events under their own policy. The ride managers (and therefore riders) would be footing the bill for AERC's ride insurance they don't need. (Who would be the primary insurance? BOTH WOULD NEVER PAY.)
I would like to know how many companies were asked to bid on providing the AERC ride insurance? Who wrote the proposal? Did AERC ask for a bid to cover all rides, or leave it up to the companies submitting the bids?
Why was this issue left until the last minute? This question went around to the ride managers last year and they were NOT interested in automatic coverage through AERC. Now suddenly it's back, and we're not even getting a choice.
I really feel for the ride managers who were depending on AERC to provide thier insurance. We may all end up in the same boat in the future if we drop our current companies and go with AERC. With every endurance and many competitive rides in the country covered under the same policy, the risk is all concentrated in one company. Won't the risk factor for ALL insurance will be based on the highest risk rating in the country?
Please don't let yourself get stampeded into a bad decision.
Nancy Mitts
Central Region
Pineville Turkey Trot



From: Michael Maul <mmaul@xxxxxxxxx>
To: Jonni <jonnij@xxxxxxxx>, CT_Region <AERC_CT_Region@xxxxxxxxxxxxxxx>
Subject: Re: [AERC_CT_Region] Re: Correction to AERC Insurance Note
Date: Fri, 26 Dec 2003 00:26:46 -0600

Jonni,

A number of rides have not been able to get insurance this
year from their normal carriers.  Unless we do something now
- those rides in the early part of the year may have to be
canceled.  There are some alternatives being explored as a
backup to see if regional organizations that are far away
from the rides will cover them even though they don't belong
to the regional endurance organization.  An example would be
a ride near San Diego covered by the Southeast regional
organization.

As far as continuing with underwriters they have worked with
in the past - they can certainly do that if they want to.
They would already be covered by the required AERC insurance
for their rides but if they had special needs - like a
yearly regional meeting - then they could get coverage for
that.  or they could be covered twice if they so chose.  But
under the present proposal - they will have to pay for the
AERC insurance coverage no matter whatever coverage they
additionally chose.

The changes would be handled directly with the insurance
company - it would not go thru the office and would avoid an
additional layer.

Here is a statement from the coverage about other activities
"All volunteers and workers are covered as well as any event
except rodeo going on at the same time ie ride and tie,
competitive, fun ride, etc"

Mike



Jonni wrote:

> Can someone explain to me a little more about the AERC insurance
> situation?
> Though I am not a ride manager, I do help out with a couple rides,
> and know
> the very basics about insurance, second insured for land use etc.
> etc. I
> know that many rides have had their own companies they have worked
> with for
> years. Will they no longer be able to use them if this thing passes?
> I also
> have entertained some thoughts of trying to get some distance carriage
> driving events held in conjunction with endurance rides in our area
> (I know
> some rides in the NE are also drives) would AERC be able to get
> insurance
> for non-AERC sanctioned events too? And last, would the ride manager
> be able
> to contact the insurance company direct for last min. changes, or
> have to go
> through the AERC office? (I think the rides I have helped with, have
> cell
> phone numbers etc. to contact their agents if a problem arises)
>
> Just trying to understand this a little more, as I am not really
> clear on
> all the details. Thanks,
> Jonni
>
>
>
>
> --- In AERC_CT_Region@xxxxxxxxxxxxxxx, Michael Maul <mmaul@xxxx>
> wrote:
>  > To all ride managers,
>  >
>  > I sent you an e-mail earlier and it has been brought to my
>  > attention that I may have mistakenly led you to believe that
>  > the AERC corporation was going to lose their liability
>  > coverage, not just the rides losing the coverage.
>  > I need to clarify some of my comments so that all of you are
>  > properly informed, the added comments are in bold print.
>  >
>  > *_HISTORY_*
>  > On January 1, 2004, AERC will lose its Umbrella Liability
>  > Policy that
>  > insures the corporation against liability, (at this point I
>  > should have added) occurring at rides only. This does not
>  > affect the insurance liability policy that covers the AERC
>  > corporation against non ride related activities.
>  > Please be aware that AERC has a separate policy that covers
>  > them.
>  >
>  > My apologies, Connie Caudill
>
>
>

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