Mike in DC

First, let me clear something up. I an not an insurance expert. I know something about some very limited areas. The only "experts" on the AMA policy are the agent that sold it to the AMA, the insurance company itself, and Carl Maroney. I hate to admit that even Carl does not know everything there is to know about the policy.

Part of the answer to your question is a question. Is your club incorporated? If not, it is probably prudent to have the policy. If it is incorporated, the AMA has dropped some coverage for clubs, i.e. slander and libel, as well as not abiding by club by-laws (particularly in the area of expelling members without due process). Depending on the nature of your club, such insurance still might be wise. Only your club can make that decision.

The fact that half of the claims are non-model related "trip and fall" claims makes a lot of people edgy, me included.

JR