User:Mct/insurance-notes-2017-10-24
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- main concerns
- alcohol & minor policy
- we had existing policies
- loaned tools
- general liability
- on the board
- on ps1 generally
- pretty-well covered
- on authorizers, loaned tool owners
- maintenance & record-keeping
- always asked about, when there are legal concerns over injuries
- privacy & document security
- building access
- tool authorization
- alcohol & minor policy
- insurance
- one layer of protection for the space, in addition to the solutions to the
- above
- loaned tool stuff
- we need an insurance policy that says that tool owners are additionally
- insured
- so if there's an accident with a tool & someone sues, we want ps1's
- insurance to cover the legal fees
- we're considering a loaned tool policy, but that by itself can't
- won't help people who are sued
- current status
- current insurance is inadequate
- holes we need to fill
- lawyer gave two recommendations
- one actually knows what a makerspace is
- has requirements we can't fill
- need to have 'project approval process'
- each one verified by the board
- 24-hour supervision
- would amount to an employee
- if they were members, they wouldn't be able to work on
- anything while supervising
- need to have 'project approval process'
- has requirements we can't fill
- other one's going to call back
- one actually knows what a makerspace is
- alternatively: make list of demands to give to current insurance
- current insurance is inadequate
- provider
- need to come up with list of demands
- need to know what our current policy covers
- lawyer did an analysis of our current things, but we need to
- find it
- would dovetail well with a packet of nonprofit stuff we can
- hand to people (companies) to see if they'll give us free stuff
- alternatively still: talk to andrew's insurance provider
- they gave his company insurance, which is at least as negligent as
- we are
- they gave some other space insurance
- this one guy knows a good insurance guy who specializes in nonprofits
- can we come up with a timeline for dealing with the insurance situation by
- loaned tool stuff
- the end of the year?
- need this because we're going to have a new board next year
- all effort might get lost
- need this because we're going to have a new board next year
- one issue is that even if we get insurance, if something goes wrong & they
- come & look around & we don't have good procedures/policies in place, they'll
- freak out & it'll be worse
- insurance is one layer of protection
- there's a federal volunteer protection act
- doesn't prevent someone from being sued, which is expensive even if it
- isn't successful
- 'mitigation of risk is a process'
- there's a federal volunteer protection act
- to do
- make a list of requirements for insurance