Originally posted by dant
SNIP
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.
SNIP
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.
Dan
That 'only flying activities' exclusion seems to leave anyone using UMA for insurance still liable if a guest trips and breaks a bone at your flying field. I would be worried about that since around 50% of all AMA claims are of that nature, general liability not related to flying.
That last paragraph where the need for the 'manuscript policy' is what is killing us with cost. It is probably also the reason it is hard to find adequate coverage for club activities. Flug has done some research with some insurers I would have approached, but it appears he failed to cover the entire water front on the actual needs. We shall see.