[hackerspaces] How to acquire insurance for your space

[Sparr]

On Thu, May 23, 2013 at 4:26 PM, Paul Brown <paul90brown at gmail.com> wrote:
> 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)
<
> 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.

The fact that we need a different type of insurance for *actual*
negligence (liability in the case of a poorly maintained table saw) vs
insurance for claimed-but-not-really-negligence (trip and fall) says
something very sad about the state of our legal system.