Insurance question for teaching plein-air

[JJ Goodell]

Hi,
I am going to be offering a plein-air class program here in Oregon and was told that I should carry liability insurance. Does anyone know about this and if so, how do I get the insurance? I've called a couple of insurance companies so far and they all seemed perplexed about this. We will be going to public locations. Would a liability release form work instead of getting liability insurance? Help.

Jill Goodell
jjgoodell@gmail.com

[Enchanted]

Originally Posted by JJ Goodell

Hi,
I am going to be offering a plein-air class program here in Oregon and was told that I should carry liability insurance.

If you have homeowner's insurance, you may already be covered. Can't imagine why an insurance company would be perplexed by your question. Liability is liability, regardless of what your business is. It' the amount that matters - how much to insure against? And what you can afford.

By getting participants to sign a release, you MIGHT have an out but you need to talk to a lawyer who specializes in liability cases to get a definitive answer.

[ArtLogos]

Hi,
By night artist, by day, insurance agency manager. Your homeowner's will not respond to a commercial / business endeavor. You may have some luck getting a "Special Event" policy for the class or it may benefit you to get an annual policy....I am not familiar with Oregon...but see if you can find a Burns & Wilcox...I think they are a national brokerage that offers this type of policy. They will refer you to an agent local to you (if they are in Oregon) as they are wholesalers working only with agents.
Hope this helps...
Lori

[LarrySeiler]

Good grief...what a world we live in, eh!

I've not thought of this...but suppose I should put a release form of liability together. I have a workshop coming up in a couple weeks. For inclement weather or starting off...I sometimes use my art classroom, and I know anything happening there is covered by the school.

guess its a good thing to cover one's tail...and will start drafting one now, too bad though!