ptulmer-

SFA found a way to provide insurance to individuals that covered site owners. The owner of SFA bought it because AMA could not/would not provide him with $2 million in site owner coverage demanded by the property owner. After his company offered that same amount of site owner coverage to other clubs, AMA found a way to offer comparable coverage.

As for the cost, the same sort of insurance that is provided to clubs to protect site owners is paid for by every member, even though only about half of AMA members belong to clubs and benefit from it. The club charter fee only partially covers the cost of providing insurance to the club.

We aren't talking large sums of money here. The cost of AMA insurance in total breaks down to about $10 per member. So how about this: Provide Joe Parkflyer with $10 worth of insurance for himself, and $10 worth of coinsurance for an unnamed second party (the owner of the land where Joe happens to be flying).

Would I pay $10 more to be able to cover the potential liability of a land owner as I seek his permission to use his property to fly my model airplanes? Damned straight I would. Of course AMA insurance covers personal insurance for everybody and site owner insurance for half of them at a cost of $10 per head, so the projected cost to Park Flyers for Profit, Inc. to cover all members with personal and site owner insurance somewhere between $10 and $20 (if coverage limits comparable to AMA's are provided). Say $15 for a ballpark figure. Double that to provide for overhead, whatever fluff is deemed necessary to market it and make it salient, and of course some profit.

Still don't think it is can be done? I'm confident it will happen. Only question is whether AMA will be in on the action.

Abel

edited: del extraneous format operator