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Thread: Metal Detecting Insurance

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  1. #1
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    CincinnatiKid

    Nov 2013
    Cincinnati Ohio
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    Metal Detecting Insurance

    Hi all. Over the previous 4yrs, I've viewed a few YouTube vids from Britton/Europe. A few of these detectorists state they have "metal detecting insurance "? This is surely to ease potential site owners that if any damage to site or self occurs, it's covered.
    It does make sense. I recently made the mistake of "calling" a local realtor for permission on a vacant lot for sale. The surrounding lots date to the 1830s. My oldest silver coin came from this area. The realtor immediately says "no" and repeats liability concerns. What if I/we get harmed on property. What if I/we damage property, etc.
    We as responsible detectorists have a code of ethics. Will insurance fortify this. Will insurance reopen closed park systems? Who knows...
    Your thoughts please...
    Peace

  2. #2

    Mar 2007
    Salinas, CA
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    Quote Originally Posted by CincinnatiKid View Post
    Hi all. Over the previous 4yrs, I've viewed a few YouTube vids from Britton/Europe. A few of these detectorists state they have "metal detecting insurance "? This is surely to ease potential site owners that if any damage to site or self occurs, it's covered.
    It does make sense. I recently made the mistake of "calling" a local realtor for permission on a vacant lot for sale. The surrounding lots date to the 1830s. My oldest silver coin came from this area. The realtor immediately says "no" and repeats liability concerns. What if I/we get harmed on property. What if I/we damage property, etc.
    We as responsible detectorists have a code of ethics. Will insurance fortify this. Will insurance reopen closed park systems? Who knows...
    Your thoughts please...
    Peace
    That answer you got from that real estate agent about "liability concerns", was just their "go to" answer to justify the "no" they just gave you. Because I gaurantee you that EVEN IF you turned right around, in the next breath, and gleefully announced to them that you carry a $1,000,000 insurance liablity on yourself (and offered to issue them a certificate of insurance from your agent to show this), that they would STILL say "no".

    I own a business. And as such, we have to have $1,000,000 auto and liability policy on ourselves, so as to cross-insure our customers when we show up on their jobs with our equipment (it's a street sweeper business and we do paving related work). So often times, over the years, when I hear that song & dance like you got, I will let them know that I have a policy and will gladly issue them a cert. But it's as I say, most of the time they just get upset, and find another reason to then tell you no.

    I mean, put yourself in their shoes. Why should they be bothered? It's just one more paper for them to keep track. One more yahoo on their site who may leave the gate open, or litter, or be a magnet to entice other yahoos to start likewise showing up on their door "asking for permission". Hence the easy answer is "no". And the easy reason is "liability". But the truth is, they just don't want to be bothered.

    Only one time did my liability policy work to where I actually did get inside a demolition site. But that was a rarity, because I HAD to get in DURING the day (couldn't wait till the workers cut out for the day after 5pm), because they were filling the site with fill-dirt, as the day progressed. And luckily the "Liability" answer worked in that one case.

    As for gettng parks that-have-no-md'ing rules on them reversed, no it won't work there. Because you (Joe-Q-public park-goer) is ALREADY not prohibited from simply being there (unlike the vacant lot where, technically, someone could say you can't even be standing there). In a park, it's a usage rule, with nothing to do with "risk", etc.... So I can't imagine this being any sort of solution to parks that don't allow md'ing, since it was never a risk rationale that brought about such rules, to begin with.

  3. #3
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    CincinnatiKid

    Nov 2013
    Cincinnati Ohio
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    Thanks Tom in Ca! Risk is not reason for banning metal detecting. Yet, irresponsible diggers leaving ankle twisting holes is. This is the case in my area. I can't count the times I've covered wrongly dug plugs. Even plugs dug correctly with pull-tabs and other junk left behind. I hate to say this, but when precious metals skyrocketed and metal detecting became a TV show recently, these problems increased.
    I've also been back and forth w our county park system administrator's. I continually plead my case and always receive a "no".
    I only pose MD insurance as insurance, to keep our hobby safe and secure.
    Peace

  4. #4
    us
    Dec 2013
    Raleigh, North Carolina
    Team Keene Outlaw
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    In the UK, if you want to participate in metal detecting,
    You must have "insurance" before you even flip the power switch.
    It's about the damage that you may cause to others while enjoying your hobby.

    Crazy huh?

    Because metal detecting causes cancer?
    One too many holes in the garden might effect the earths rotation?
    Last edited by Follows Camp Craig; Jan 01, 2014 at 04:07 PM.

  5. #5
    us
    Jun 2012
    MA
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    Things sure are get'n crazy! Used to be you could just sign a release form saying you wouldn't sue the property owner if you got hurt.

  6. #6
    us
    Jan 2012
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    There's an old park in my town that closed its swimming pool that was put in in the early 20s. Well they are tearing it out to put a dog park in. They allowed detecting around the pool area, but they wanted u to have a million dallor liability insurance policy. I told them tk get bent, and glad I did. I know one guy who got it and all he found was about 10 dallors in clad and 3 rosies.

  7. #7

    Mar 2007
    Salinas, CA
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    Quote Originally Posted by CincinnatiKid View Post
    Thanks Tom in Ca! Risk is not reason for banning metal detecting. Yet, irresponsible diggers leaving ankle twisting holes is. This is the case in my area. I can't count the times I've covered wrongly dug plugs. Even plugs dug correctly with pull-tabs and other junk left behind. I hate to say this, but when precious metals skyrocketed and metal detecting became a TV show recently, these problems increased.
    I've also been back and forth w our county park system administrator's. I continually plead my case and always receive a "no".
    I only pose MD insurance as insurance, to keep our hobby safe and secure.
    Peace
    Wow, this is extreme. I mean, sure: we've all heard the song and dance about "holes". Another go-to reason city people sometimes cite. Yet when you press them, it seems it's just their mental go-to image, when tasked with thinking of "metal detecting". It is, afterall, a connotation a lot of people have. So they just say " ... because of holes". So the md'r curses under his breath and says "durned those people who must've left holes". When perhaps there never was such an incident. At least not that would have led to a rule or law. Or at least not that anyone can concisely point to. Just the reason they give, to justify the answer they just gave.

    And even if there was actual cases (yes it happens) where this was the only reason a park was and is now off-limits (by actual rule, not just a booting here or there), then even then, it's not usually a "liability" issue, but rather, a cosmetics issue. Because I can hardly conceive of the size hole that would allow someone to litterally slip in and twist an ankle! Wow! The "holes" I'm thinking of, are often time actually covered over anyhow, but it's simply a matter of grass that died, a divot that still showed, and so forth.

    So if you're saying that your particular area would have "no problem at all, if it only weren't for the potential for a leg-break lawsuit", then that's odd indeed. If this is true, my hunch though, is that even if a group of hobbyist banded together to offer liability insurance (to cover the city or county if anyone breaking a leg ever sued them), is that they'd still say no. In fact, if anything, the mere fact of offering such "liability insurance" would seem to simply caste aspursions on the hobby ....... as if this is EXACTLY what we do! And exactly that results, etc... And thus all the more reason for them to say no. I mean, put yourself in their shoes: why should they be bothered?
    Last edited by Tom_in_CA; Jan 01, 2014 at 10:33 PM.

  8. #8
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    CincinnatiKid

    Nov 2013
    Cincinnati Ohio
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    Thanks again Tom. As always, your reply is filled w thought provoking content.
    2012 damage was extensive enough for our county parks to ban metal detecting from all athletic fields. Bad for me, cause I love soccer field sidelines. I do still detect sand volleyball courts. The Rangers have no problem w it. Why would they?
    Yes, cosmetic damage is also an issue.
    I think MD insurance may even be required soon...
    Peace

  9. #9

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    Western Schuylkill County
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    Need I say more ?
    Keppy, RustyGold, Oddjob and 1 others like this.

  10. #10
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    CincinnatiKid

    Nov 2013
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    Thanks jeff of pa! I will whisper. .
    Peace
    jeff of pa likes this.

  11. #11
    us
    Dec 2013
    Cheyenne, WY
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    I am a Real Estate agent and I would have said the same thing to anyone wanting to MD on my client's property.
    It's all about taking care of the property and maintaining it in the best possible condition.
    I have even turned away people I know from properties I have listed although I knew they would do no harm.
    Even having someone MDing around on a property could "creep out" a potential buyer. Ya never know...
    CincinnatiKid likes this.

  12. #12
    Charter Member
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    Nov 2012
    Maryland
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    Last week I was at a beach. I always fill my holes, perhaps not perfectly, but they are not recognizable as holes anymore. Anyway a guy comes near and I say hi. He asked if I'd found much and I hadn't. We started talking wildlife. Seems he one of the most senior wildlife managers for the state. I saw him glance at the last filled hole and I proudly showed him all the trash in my bucket I was removing from the beach. You should have seen him smile. We have the choice of being the good guys! Score one for us.

  13. #13
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    CincinnatiKid

    Nov 2013
    Cincinnati Ohio
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    Thanks Markomyt1 and smokeythecat! Most wonderful responses!!
    I fully understand. But, do you view MD insurance as a viable option to closed parks/sites?
    Peace

  14. #14
    Charter Member
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    Nov 2012
    Maryland
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    No, the insurance is probably not viable as it's a control issue on the government's part.

  15. #15
    Charter Member
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    IT COULD BE A VALUABLE PRIZE "YOU NEVER KNOW"

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    This whole metal detecting is getting out of control .. When we start to talk about something stupid like MD insurance….
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    Red James Cash and Oddjob like this.
    ".. Let no one know what , when , or where ..'

 

 
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