View source for User:Mct/insurance-notes-2017-10-24

* 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
* 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
**** other one's going to call back
*** alternatively: make list of demands to give to current insurance
**  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
*  the end of the year?
*** need this because we're going to have a new board next year
**** all effort might get lost
** 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'
* to do
** make a list of requirements for insurance