When I joined the UMA their first year, and I think I did that just to throw some support to a new organization as I have not renewed, it was my understanding that the insurance provision was primary but only related to members and officers when engaged in flying activities.

When our club directors looked at a the UMA as a possible alternative, we questioned insurance coverage for off-field activities (like mall shows). I had made an inquiry at that time and the answer was no since it was not a "flying activity". This was another reason we decided not to pursue. Things MAY have changed now.

There are three major malls in Tulsa that can support a mall show. Depending on the mall, they REQUIRE "event-specific" liability insurance for either 1.5 or 2 million dollars. This is available from the AMA and it is what we do to insure our mall shows. None of the malls here would accept any type of "umbrella" liability coverage for a group sponsored event. The policy had to be written specifically for the mall, event and date. No substitutes.

Based on this, I would say that any club considering becoming a UMA club only and have a need for "off site/activity" insurance check to see if the UMA now offers this option.

Dan