Re: Volunteer Insurance

["cookie hickstein" <cookieh@trib.com>]

Larry,

Your insurance agent that writes the liability policy should be able to put
a rider on the policy to cover the volunteers, if not a rider they should
be able to write the coverage and package it for you.  This is where I
would start, in many cases you get a better premium whan it is all written
together.  I am an insurance agent and never have come accoss this, I will
check with my company's tomorrow and see what I can find out and let you
know.  I am not from California, but I should be able to find out where you
can get the coverage.

Cookie Hickstein

----------
> From: Larry Suddjian <wstf@foothill.net>
> To: RideCamp <ridecamp@endurance.net>
> Subject: Volunteer Insurance
> Date: Monday, March 30, 1998 10:09 PM
> 
> Does anyone in California have a solution for adequate insurance
> coverage for VOLUNTEERS during the production of endurance rides.  As
> most ride managers know, volunteers are EXCLUDED from coverage on the
> liability insurance policy we are required to carry.
> 
> In 1997 the Western States Trail Ride was required to report volunteer
> hours at the State minimum wage and pay a premium of $11.54 per $100 of
> "payroll" (volunteers are not paid, but the State Compensation Insurance
> Fund requires we report volunteer hours worked times the State minimum
> wage of $4.25).  We have over 400 volunteers!
> 
> Accidents to our volunteers can happen and we want to be prepared, but
> there must be a better way.
> 
> Any input would be appreciated.
> 
> Larry Suddjian, Ride Director
> WESTERN STATES TRAIL FOUNDATION
> http://www.foothill.net/tevis