Event Insurance & Chickenstock

I don't know about other states but here is Floridas

375.251 Limitation on liability of persons making available to public certain areas for recreational purposes without charge.--

(1) The purpose of this act is to encourage persons to make available to the public land, water areas and park areas for outdoor recreational purposes by limiting their liability to persons going thereon and to third persons who may be damaged by the acts or omissions of persons going thereon.

(2)(a) An owner or lessee who provides the public with a park area or other land for outdoor recreational purposes owes no duty of care to keep that park area or land safe for entry or use by others, or to give warning to persons entering or going on that park area or land of any hazardous conditions, structures, or activities thereon. An owner or lessee who provides the public with a park area or other land for outdoor recreational purposes shall not by providing that park area or land:

1. Be presumed to extend any assurance that such park area or land is safe for any purpose,

2. Incur any duty of care toward a person who goes on that park area or land, or

3. Become liable or responsible for any injury to persons or property caused by the act or omission of a person who goes on that park area or land.

(b) This section shall not apply if there is any charge made or usually made for entering or using such park area or land, or any part thereof, or if any commercial or other activity, whereby profit is derived from the patronage of the general public, is conducted on such park area or land, or any part thereof.

(3)(a) An owner of land or water area leased to the state for outdoor recreational purposes owes no duty of care to keep that land or water area safe for entry or use by others, or to give warning to persons entering or going on that land or water of any hazardous conditions, structures, or activities thereon. An owner who leases land or water area to the state for outdoor recreational purposes shall not by giving such lease:

1. Be presumed to extend any assurance that such land or water area is safe for any purpose,

2. Incur any duty of care toward a person who goes on the leased land or water area, or

3. Become liable or responsible for any injury to persons or property caused by the act or omission of a person who goes on the leased land or water area.

(b) The foregoing applies whether the person going on the leased land or water area is an invitee, licensee, trespasser, or otherwise.

(4) This act does not relieve any person of liability which would otherwise exist for deliberate, willful or malicious injury to persons or property. The provisions hereof shall not be deemed to create or increase the liability of any person.

(5) The term "outdoor recreational purposes" as used in this act shall include, but not necessarily be limited to, hunting, fishing, swimming, boating, camping, picnicking, hiking, pleasure driving, nature study, water skiing, motorcycling, and visiting historical, archaeological, scenic, or scientific sites.
History.--ss. 1, 2, 3, 4, 5, ch. 63-313; s. 1, ch. 75-17; s. 7, ch. 87-328.


773.05. Limitation on liability of persons making land available to public for recreational purposes
Nothing in ss. 773.01-773.05 shall be construed to limit in any way the limitation of liability granted to private citizens who allow the public to use their land for recreational purposes, as provided in s. 375.251.

773.04. Posting and notification
(1) Every equine activity sponsor and equine professional shall:

(a) Post and maintain one or more signs which contain the warning notice specified in subsection (2). These signs shall be placed in a clearly visible location near to where the equine activity begins. The warning notice specified in subsection (2) shall appear on the sign in black letters, with each letter to be a minimum of 1 inch in height, with sufficient color contrast to be clearly distinguishable.

(b) Give the participant a written document which the participant shall sign with the warning notice specified in subsection (2) clearly printed on it. Said written document may be used in lieu of posting the warning on the site of the equine activity sponsor's or equine professional's facility, and shall be given to any participant in an equine event not on the location of the equine activity sponsor's or equine professional's facility.

(2) The signs and document described in subsection (1) shall contain the following warning notice:

WARNING

Under Florida law, an equine activity sponsor or equine professional is not liable for an injury to, or the death of, a participant in equine activities resulting from the inherent risks of equine activities.
 
wow- I never would have thought of this.. I was thinking of hosting one at my house in the late Fall-but if I have to add on 250-300$ for insurance!-? ouch...
 
All I can say is wow guys. Isn't it terrible. I know that folks like Chickn organize swap events, can these legal issues come crashing down on her? I mean, I organized and must pay to protect myself.... What is this world coming to.
As for having an event at your home, sonew, don't forget the portapotty unless you have facilities available outside of your house. This has been one of my neighbors issues having a basket weaving shop behind her garage. What an insurance night mare that is, if you allow business people to come into your house and use the facilities, then you need to place a business insurance onto that part of your house (don't quote me on the type of insurance!)
I'm so glad that others are coming forward with their insurance issues, I appreciate your comments and facts.
Thank you all and I hope that others can learn from this, perhaps like someone mentioned about a donation towards tail gate area.
If we charge each space, then isn't that considered "gainful" and subject to income tax? Granted your only refunding your costs, but we all have to use care just before we end up on the edge of another cliff.
 
More and more people in my area are having Swaps and Events at the feed stores. Some of the stores charge a fee and others don't. I just had my last swap at our farm. From now on we are having them at our local Tractor Supply Company.
 
Wouldnt your house ins pay if anything happend at your house?
I mean.. people throw summer parties/cookouts all the time... never heard of needing ins for it...
At a business...yes..i can see it....
but not at a house that already has insurance on it....
Just an idea...
 
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Wow, that is where it can get dicey, if its family or friends, if its graduation, wedding, birthday, they recommend event ins. Bunch of crap that sue happy people have made us take protection with.
Now if you are conducting business such as a swap then you need a business insurance. Or a flea market you need to protect yourself in all of these types of swaps. You can contact your HO insurance agency, they will give you quotes, and contact others that are available. Not all companies cover events, so you may have to go to another source.
Here in Maine if an intoxicated person leaves your establishment or house, you can be held liable for the accident they may be in because you did not "control" them. Such a pain! Just like you can be sued for allowing a guest from choking on a hot dog or drowning in your pool, your HO would cover so much, event ins would take care of the rest. Its all about how much "I" deserve to be paid for the anguish your cousin caused me when I slipped on his banana peel. Ugh!
 

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