Some Thoughts on Liability Insurance


| December/January 1986



During the past show season, we received several letters in our Reflections column on the subject of liability insurance and the financial difficulty it imposes on engine clubs. Many clubs are able to take the cost in stride, though some actually stopped holding shows for this reason. In our Editor's Letter we asked for some reader response on the issue, and questioned whether some kind of national organization could be formed to enable clubs to qualify for a group insurance policy. What follows are excerpts from the response, and our conclusions.

Jack Versteeg, president of the National Early Day Gas Engine and Tractor Association, wrote to say that he has been working for some time to try to get a national policy for his group, which currently has 21 branches. He suggests that possibly if more clubs affiliated with NEDGE&TA, such a group policy could become a reality.

'I have found out,' he writes, 'that one of the requirements of the insurance industry will be a strong set of safety rules, such as stringent boiler inspections on the steam side, guard ropes around a gas engine display, alcohol on show grounds (none). Other factors to be considered are: type of show, steam alone, gas alone or both, where held, own show grounds, public park, fairgrounds or what.'

Jack adds that the monitoring of such a group policy will be quite a task with a lot of paper work. He promises to keep us informed of his group's progress in seeking their policy.

Mark Rembis of 2190 Buford-Bardwell Rd. in Mt. Orab, Ohio 45154 wrote to tell us about another organization he belongs to which has the kind of national federation which engine clubs might consider. He collects antique fire apparatus, and is secretary-treasurer of the Miles Greenwood Historical Fire Apparatus Society, in Cincinnati. This club is a chapter of the Society for the Preservation and Appreciation of Antique Fire Apparatus in America, which is headquartered in Syracuse, New York. Chapters may enroll in a national liability insurance program which covers all activities at a very reasonable rate.

Dave Semmel of Box 385 RD # 1, Pine St., Slatington, PA 18080 is an engine collector with other interests as well. He belongs to several Antique Auto Clubs which issue charters to regional clubs. The small newly formed engine club he belongs to was able to get the necessary liability coverage locally this year.

robert johnson
3/31/2009 11:21:07 PM

Maybe we should check into what the folks in the UK and Australia do for insurance. They have been fighting this battle for a long time.