[modeleng] Insurance was RE: Re: freebies

My understanding was that unpaid volunteers could be employees for the 
purpose of liabiliity and you need Employer's Liability insurance. The 
Walker Midgelely Club Insurance includes inextricably both Public and 
Employer's liability. I've not read the RSA/ Footman James Southern Fed 
policies.

>From: "Peter J. Cathcart" <peter.cathcart@xxxxxxxxxxxxx>
>
>Tim
>
>As a club we don't have Employers Liability Insurance.  They can be bundled
>for premium reasons but insurers never give anything for nothing.
>
>Peter
>


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