Insurance Options

MacAonghusa · 11-08-2008 9:31am #1

General question for sites that have insurance... do you get "member to member" insurance (insurance for members injuring each other - recommended to me by a broker) or public liability insurance?

I presume 'pub lia ins'. is needed for members of public who may stray onto playing area or for commercial sites who rent equipment?
So in a situation where you just drag a friend along and they borrow your equipment would they be covered by "mem to mem ins" or would you need "pub lia ins"?

Any advice appreciated.

Puding · 11-08-2008 9:34am

i believe the only form of insurrance used by sites at the moment is public liability insurance, and a weaver is used to cover for players getting injured e.g you do it at your own risk

MacAonghusa · 11-08-2008 9:48am

Puding wrote: »

i believe the only form of insurrance used by sites at the moment is public liability insurance, and a weaver is used to cover for players getting injured e.g you do it at your own risk

Thx for feedback Puding; makes sense although do you know if waivers offer real protection?

johnboysligo · 11-08-2008 9:50am

public liability is there to cover you when Mr Jones decides to take a walk though your site at 3am and falls over some lumber injuring himself in the process

its in the name "public" its insurance that covers you from them the Mr Jones's who up until the day he fell on your site never heard of airsoft but you can be dam sure he has seen a advert on tv about accidents that wernt his fault.

http://www.keystone.ie/
that site has a good 10 frequently asked questions i think you should read it is a sales pitch from a insurance company but it highlights why you would need something like it.

johnboysligo · 11-08-2008 9:52am

MacAonghusa wrote: »

Thx for feedback Puding; makes sense although do you know if waivers offer real protection?

nope none any solicitor would just send you a letter saying "pay us or were gona go to court" and regardless of whos fault it is you will have to pay for a solicitor of your own who might end up advising you to pay him off

Puding · 11-08-2008 10:05am

makes sense although do you know if waivers offer real protection

depends on how there worded , the ones i;ve come across are binding and cover all, your best bet might be to get in contact with a few site owners to ask them, i know mad ozzie and others are alwasy happy to help

iceage · 11-08-2008 10:31am

check out this crowd. www.sportsguard.co.uk they specialise in sports insurance and Airsoft is covered under a group 2 I think, can't check now at work. After all the outlay for all this gear and kit if your seriously into it and plan to continue the sport it might be worth your while covering your own personal Asurance. Not that expensive either, I think about 60 yoyo for a year. Check it out. I had need of their services for another hobby recently, and it covers you if you travel with your sport i.e. UK or Europe.

If we're serious about this pursuit then sorting out your own Insurance makes sence, and for a few bob you ass, is covered.:D

Hivemind187 · 11-08-2008 10:49am

iceage wrote: »

check out this crowd. www.sportsguard.co.uk they specialise in sports insurance and Airsoft is covered under a group 2 I think, can't check now at work. After all the outlay for all this gear and kit if your seriously into it and plan to continue the sport it might be worth your while covering your own personal Asurance. Not that expensive either, I think about 60 yoyo for a year. Check it out. I had need of their services for another hobby recently, and it covers you if you travel with your sport i.e. UK or Europe.

If we're serious about this pursuit then sorting out your own Insurance makes sence, and for a few bob you ass, is covered.:D

Yep

they are the ones the IAA is trying to negotiate with.

MacAonghusa · 11-08-2008 11:18am

johnboysligo wrote: »

public liability is there to cover you when Mr Jones decides to take a walk though your site at 3am and falls over some lumber injuring himself in the process

But surely we'd only need insurance for the time we're playing as we won't own the site and therefore shouldn't be responsible for it outside of play hours?

thanks for the link

MacAonghusa · 11-08-2008 11:25am

iceage wrote: »

check out this crowd. www.sportsguard.co.uk they specialise in sports insurance and Airsoft is covered under a group 2 I think, can't check now at work. After all the outlay for all this gear and kit if your seriously into it and plan to continue the sport it might be worth your while covering your own personal Asurance. Not that expensive either, I think about 60 yoyo for a year. Check it out. I had need of their services for another hobby recently, and it covers you if you travel with your sport i.e. UK or Europe.

If we're serious about this pursuit then sorting out your own Insurance makes sence, and for a few bob you ass, is covered.:D

Groovy, thanks for link and info.

ED E · 11-08-2008 12:11pm

MacAonghusa wrote: »

But surely we'd only need insurance for the time we're playing as we won't own the site and therefore shouldn't be responsible for it outside of play hours?

thanks for the link

Nah, if a janitor mops a floor and leaves it wet then clocks out, and sombody slips on it, he/employer are still responsible.

Irish law is ridiculous. If a man breaks into your house, trips and breaks his leg he can sue YOU! Its a stupid system.

MAD Ozzie · 11-08-2008 12:20pm

johnboysligo wrote: »

nope none any solicitor would just send you a letter saying "pay us or were gona go to court" and regardless of whos fault it is you will have to pay for a solicitor of your own who might end up advising you to pay him off

That may be true, but the BOOFHEAD that hurt himself MUST prove you were/ or at fault to the cause if the injury, And a good site operator will spot the boofhead in the first 15min of a game and ether warn him/her or tell em to piss off, ( I WILL AND DO ) I have banned 3 players and warned 2 others for dangerous or silly play. SAFETY FIRST.

Some players think they are (under live fire) and do silly stuff ,like superman's over cover, back flips in to bushes, and god knows what else.
Its not my fault that he is a DOPE,
(its my fault for letting him play.)

And the solicitor can say what he wants, and so can the BOOFHEAD, but there is always witnesses to see what happened and how.

The waiver is there to warn the player of the risk's of what he is about to do, it may, or may not stand up in court, that's up to a judge if it gets that far.

But if one site is sued, then ALL Airsoft site's will suffer and all the players with it.

Don't be afraid to tell some one off, or kick em off the site, no matter who it is. Its not worth the trouble for 25euro.

SAFETY FIRST, FUN AFTER.

MacAonghusa · 11-08-2008 12:24pm

Lethal_Bullet wrote: »

Nah, if a janitor mops a floor and leaves it wet then clocks out, and sombody slips on it, he/employer are still responsible.

Irish law is ridiculous. If a man breaks into your house, trips and breaks his leg he can sue YOU! Its a stupid system.

Yeah but the employer owns/maintains the building so it's not quite the same.
We're not the employer only the janitor so to speak.

MAD Ozzie · 11-08-2008 12:26pm

MacAonghusa wrote: »

But surely we'd only need insurance for the time we're playing as we won't own the site and therefore shouldn't be responsible for it outside of play hours?

thanks for the link

That's true, I'm only insured for the Sundays we play, so if some one injures him self on Friday, and there is no game on, then its not me he sues.

Shiva · 11-08-2008 12:32pm

MacAonghusa wrote: »

But surely we'd only need insurance for the time we're playing as we won't own the site and therefore shouldn't be responsible for it outside of play hours?

thanks for the link

Public Liability insurance is only held by the site owner/operator, so it wouldn't apply to you - as a player, you'd only be quoted for personal insurance.

MacAonghusa · 11-08-2008 12:45pm

Shiva wrote: »

Public Liability insurance is only held by the site owner/operator, so it wouldn't apply to you - as a player, you'd only be quoted for personal insurance.

We'll be the organisers of the games not just the players. So I presume it will be our responsibility to have insurance in case someone wanders onto the battlefield during a game.

Hivemind187 · 11-08-2008 12:52pm

... Whats a BOOFHEAD?

The Master · 11-08-2008 1:07pm

Hivemind187 wrote: »

... Whats a BOOFHEAD?

Well if you have to ask............

Puding · 11-08-2008 1:10pm

We'll be the organisers of the games not just the players. So I presume it will be our responsibility to have insurance in case someone wanders onto the battlefield during a game.

yes, that and a weaver to cover yourself and the minimum you need for an event/site

BOOFHEAD

a polite transplation of ozzieness is idout/stupid person

iceage · 11-08-2008 1:13pm

Hivemind187 wrote: »

Yep

they are the ones the IAA is trying to negotiate with.

Did you any joy? I'm sure they would be looking for definate numbers, or at least as a club insurance a blanket basic type "bronze" cover.

I was able to utilise cover with them recently for a single day cover for a particular hobby event that might only take place the once. I'm sure it would make sense to encourage an annual cover for the likes of Airsoft though, what with multiple skirmishes that can take place over the period of the year. It would make no sense to get cover for one day, and then do the whole thing again say next week!

As well as that there is the expense, but it was heart warming to know that for the period of my cover I was worth approx. 2.5 million!:D

MacAonghusa · 11-08-2008 1:31pm

Two options I discovered today:

Sportscover is one of the world's leading sports insurance underwriters ... ...
http://www.sportscover.com/
Their broker here is O'Driscoll O'Neil
www.odon.ie

Another option is PJT Ins. who do paintball etc.
http://www.pjtins.ie/leisure_enter.htm

I'm waiting for a call back from the above; will update here if anyone is interested.

Puding · 11-08-2008 1:37pm

there a number of places for peopel to get personla inssurance for there own cover when playing airsoft, when cork was set up there was unfortunatly only one company that would offer public liability for airsoft in ireland and they where based in england, no idea if this is still the case

nonex · 11-08-2008 1:41pm

if you are useing land or renting or own it, you have to have Public Liability insurance 24/7, and any owner thats lets you use, rent, with out insurance is i hate to say it but is a fool, and the weaver has to be desplayed as part of your insurance cover.

MAD Ozzie · 11-08-2008 7:34pm

nonex wrote: »

if you are useing land or renting or own it, you have to have Public Liability insurance 24/7, and any owner thats lets you use, rent, with out insurance is i hate to say it but is a fool, and the weaver has to be desplayed as part of your insurance cover.

I went through all this when I started, as I own the land and pay for the public liab... insurance as would any have on there own land, BUT this does not cover any sport or event or even a good party,:( and does not cover Airsoft, so that has to be done as an extra, and that price is not cheep, and thank god the Irish insurance co's don't cover airsoft, as it would cost much more.

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