[hackerspaces] How to acquire insurance for your space

[Paul Brown]

This is definitely the best article I've seen written on US hackerspace
insurance.

A few additional things I learned from my experience with Dallas Makerspace:

   - Commercial Property and General Liability are treated as two separate
   types of insurance.

   General Liability
   "will pay those sums that the insured becomes legally obligated to pay
   as damages because of bodily injury or property damage" (trip and fall
   lawsuits)

   Commercial Property
   "will pay for direct physical loss of or damage to covered property at
   the premises described" (fire, theft, etc)

   - I'm still confused about this, but I was told neither of the above
   insurances will cover a hackerspace whose negligence results in a member's
   arm getting cut off by a poorly maintained table saw (just an example). And
   they probably won't cover a member stealing things.

   - Some states have broad volunteer immunity laws, and in those states -
   D&O insurance seems to only be useful for covering bad things which happen
   outside of the volunteer's responsibilities (like slander, etc).



On Thu, May 23, 2013 at 2:35 PM, Gui Cavalcanti <gui at artisansasylum.com>wrote:

> All,
>
> I've been working with MAKE on creating a gigantic primer about the nuts
> and bolts of starting makerspaces, and they just posted the first in the
> series here: http://blog.makezine.com/2013/**05/23/making-makerspaces-**
> acquiring-insurance/<http://blog.makezine.com/2013/05/23/making-makerspaces-acquiring-insurance/>
>
> The primer deals with how to acquire insurance for your makerspace, a
> subject which I know has been talked about on this list several times.
> Hopefully, this information helps fledgling groups across the world
> (though, unfortunately, the information is somewhat tailored to American
> spaces as I have no experience with international insurance).
>
> The Making Makerspaces series will continue over the next few weeks, as I
> work through a ton of raw data generated from our Make a Makerspace
> conferences on how to effectively plan, build out, and start spaces. Keep
> an eye on the MAKE blog if you want to learn more, and let me know if you
> have any special topics you'd like to see addressed.
>
> Thanks!
>
> --
> Gui Cavalcanti, President
> Artisan's Asylum, Inc.
> http://www.artisansasylum.com
> Cell: (857) 389-7669
>
> ______________________________**_________________
> Discuss mailing list
> Discuss at lists.hackerspaces.org
> http://lists.hackerspaces.org/**mailman/listinfo/discuss<http://lists.hackerspaces.org/mailman/listinfo/discuss>
>
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