Here is the basic concept... on liability for the general AMA membership (excludes other AMA policies like medical, theft, fire, optical, dental and witchburning, and anything else).

There are, esentially three sets of coverage.

The one for individuals is excess (read a secondary) and comes after any other insurance, such as home owners or renters. It covers you anywhere you may legally fly if you follow the AMA Safety Code. The fact that it is excess coverage is what keeps the price low. Most claims are covered by homeowers or renters liability policies.

The second is also excess. It covers clubs and their officers. It has many limitations and the officers of clubs should be aware of the limitations. Things like libel and slander are not covered, for instance.

The third is the truly important one. It is a full blown liability policy for the named land owner. Not subject to the Safety Code, or other restrictions that are on the members and clubs. This is the one that allows so many clubs to be able to secure a field.

This is general in nature and not meant to be all encompassing. Technical questions can be directed to HQ.