Hi Roger

I understand your concerns. Many of us have asked ourselves the same questions. Having said that, this thread has left an impression that we are all at risk in all circumstances. At the same time, I would submit that no one, not even the insurance company, can answer every possible "what if" question. Someone can always add some wild, wierd element to the question that will change the answer.

No one wants to get on a forum like this and state flately that coverage does or does not exist, and I am no exception. Let me proceed with a series of facts and questions that may allow you to devine some of the answers I have concluded for myself, which I would not suggest anyone rely on.

The coverage for a landlord is a full blown liability policy, without the exemptions the Safety Code provides. Would an attorney take every entity in sight in a law suit? If the insurance company has to provide a defense for the landlord, does it make any sense that they would not defend each other entity since a judgement would apply to the same policy? In other words, what would be the advantage to the insurance company to defend a landlord and win, and then turn around and pay a judgement against a CD, individual, club, BOD, or other covered entity?

There is information in print (in the AMA by-laws, Renewal Kit and the Competition Regulations). Can that information be relied on? Could an individual, club or another entity rely on statements made in print and have recourse if those statements were not accurate?

Is the entity doing it's best to follow the Safety Code? Is the entity doing anything illegal? Are any printed exclusions to the coverage being ignored?