I received a timely response from Carl and I'm satisfied with the response. This seems to answer my questions as good as I feel anyone could have expected. As many of you have stated, there are always exclusions within any policy. AMA is not an exception here in my book. What the exclusions are would be an obvious question, but in gerneal I feel that if you are working within the rules and guidelines, within reason, there is personal protection. Am I missing anything here I should be concerned about?
Yes, the two scenarios you describe in your e-mail would be covered by the AMA policy insuring clubs and members. The AMA coverage for claims involving bodily injury or property damage is very broad and is intended to cover BODs and/or CDs for their exposure to claims or suits of this type.
The policy provides both defense ( attorney to represent, pays the costs of defense) and in addition will pay negotiated settlement or court judgments (if any) up t the policy limit of $2,500,00 per occurrence.
Like any policy, there are limitations and exclusions. But rest assured the AMA policy does cover allegations of negligence resulting in injury or damage for all AMA members, including potential liability for serving on a chartered club BOD or as a CD.
Carl P. Maroney