So this showed up on our event insurance (along with the wrong additional insureds). Trialsmaster clarified with Birdsong insurance if someone falls in a puddle we are not covered without additional insurance. 🫤 So if it rains and you don’t get the additional coverage you are not insured.

 

Make sure absolutely everyone signs the 'I'm not your mommy' waiver form, everybody that didn't sign is trespassing 👍

Yeah but if negligence can be proved a liability waiver isn’t worth the paper it’s printed on. But that’s a whole ‘nother kettle of fish. Landowners might be somewhat shielded by “hold harmless” laws but organizers are very exposed. The word from the insurance company is they had to pay out a large claim for a drowning so now all water is verboten.🫤

How do they prove negligence unless they were being held under water by the land owners 🤔 that's the part I can never figure out.