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Thread: Looking for Metal Detecting Club Liability Insurance

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  1. #1
    Charter Member

    Mar 2003
    So. Cal.
    1,548
    220 times
    All Types Of Treasure Hunting

    Looking for Metal Detecting Club Liability Insurance

    Our metal detecting club was recently asked to maintain some group liability insurance
    so we can hold our meetings at a specific venue.
    This is in the US.
    Does anyone have ideas or names where we might be able to get say a million dollar policy
    for relatively cheap? We are registered as a non-profit.

    Looking for suggestions.
    Terry Soloman likes this.

  2. #2
    Charter Member
    us
    Fly Navy!

    Jun 2008
    York County, PA (USA) Brevard County, FL (USA)
    27,948
    9929 times
    All Types Of Treasure Hunting
    While you are waiting for a response - I searched and found a thread talking about Insurance - Metal Detecting Insurance (Jan 01, 2014, 02:32 PM)
    .:: We SaluteOur Veterans ::.


    "A free people ought to be armed." - George Washington (January 7th, 1790)
    ..: Criminals obey "gun control" laws in the same manner politicians follow their oaths of office :..

    TreasureNet

  3. #3

    May 2005
    819
    85 times
    I don't get it. If metal detecting has liabilities, I don't see how this could apply to a meeting where nothing is dug.

  4. #4

    Mar 2007
    Salinas, CA
    Explorer II, Compass 77b, Tesoro shadow X2
    12,348
    8585 times
    Banner Finds (4)
    Quote Originally Posted by George (MN) View Post
    I don't get it. If metal detecting has liabilities, I don't see how this could apply to a meeting where nothing is dug.
    Perhaps someone might slip on a banana peel in the meeting room ?
    RustyGold likes this.

  5. #5
    Charter Member
    us
    Aug 2013
    OC, CA
    XP Deus, Equinox 800
    5,686
    4514 times
    Beach and Shallow Water Hunting
    Good Lord. Ridiculous..
    pepperj likes this.

  6. #6
    Charter Member
    us
    Mar 2011
    San Diego
    Equinox 800, Treasure Probe IV, E-Trac, 3 Excal 1000's, White's GM3 V-sat. White's TM808, VibraProbe, 15" NEL Attack, 5X10 Joey, Steath 920ix and 720i, TRX, etc....
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    Honorable Mentions (3)
    It has to do with getting a meeting room. All groups using this facility are going to be required to have insurance.
    pepperj likes this.
    "jus cuz it's wrote down, don't make it so"

  7. #7
    ca
    Feb 2009
    Deus, Minelab 3030, E-Trac,
    11,015
    16294 times
    Relic Hunting
    Quote Originally Posted by RustyGold View Post
    Good Lord. Ridiculous..
    It wouldn't be an Act of God in the insurance holders policy if somebody slipped in the bathroom. Its pretty standard for a private venue and some city venues to require clubs to have a separate rider to cover any liability that might occur. There's so many little things that could happen because of a meeting, bathroom floods, electronic malfunction causing a small fire, slips and falls, trampling(better known as a human stampede) going to the monthly finds table even. (little humour thrown in at the end)

  8. #8
    Charter Member
    us
    Aug 2013
    OC, CA
    XP Deus, Equinox 800
    5,686
    4514 times
    Beach and Shallow Water Hunting
    Hold your meetings at the local church, donate a little to the church maybe 10% of what an insurance policy would cost for the other venue.
    pepperj and redbeardrelics like this.

  9. #9
    Charter Member
    us
    Make America Great Again!

    May 2010
    White Plains, New York
    Minelab GPZ 7000; Equinox 600 -- Tesoro Mojave -- Makro Multi Kruzer -- Notka Pinpointer -- Grave Digger Tools Nemesis shovel, Sidekick hand digger
    14,977
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    Metal Detecting
    Quote Originally Posted by coinshooter View Post
    Our metal detecting club was recently asked to maintain some group liability insurance
    so we can hold our meetings at a specific venue.
    This is in the US.
    Does anyone have ideas or names where we might be able to get say a million dollar policy
    for relatively cheap? We are registered as a non-profit.

    Looking for suggestions.
    These policies are quite common. Talk to State Farm, they insured my gold prospecting school. Every policy is tailored to your individual needs, so get at least two-quotes. State Farm, and USAA.

  10. #10
    us
    Jan 2014
    Maryland's Eastern Shore
    Garrett GTI 2500, (Ace 250 spare)
    738
    754 times
    Prehistoric artifacts, metal detecting, bottle digging
    Your club may want to consider incorporating as well, to help protect individual members from being sued for your individual assets, as opposed to "club" assets.

  11. #11
    Charter Member
    us
    Mar 2011
    San Diego
    Equinox 800, Treasure Probe IV, E-Trac, 3 Excal 1000's, White's GM3 V-sat. White's TM808, VibraProbe, 15" NEL Attack, 5X10 Joey, Steath 920ix and 720i, TRX, etc....
    8,355
    4987 times
    All Types Of Treasure Hunting
    Honorable Mentions (3)
    The corporation process isn't all that cheap here in Ca.
    "jus cuz it's wrote down, don't make it so"

  12. #12
    us
    Randy

    Feb 2015
    Fullerton CA
    Minelab CTX 3030
    2,942
    3760 times
    All Types Of Treasure Hunting
    Try Hiscox.com I got a million dollar policy for about $35 bucks a month. This is very low risk. His cox is owned by Geico
    Anything That Comes Out of The Dirt Is Awesome!

    Best find 1941 Patek Philippe 2 register flat pusher Chronograph Bought 1,000 Sold 62,000 !!
    First Year 911 Porsche Purchased 36K SOLD 140K!!! Whoo Hoo

  13. #13
    Charter Member

    Mar 2003
    So. Cal.
    1,548
    220 times
    All Types Of Treasure Hunting
    Thanks for the comments. Anyone else wants to add to it, feel free. You would think there would be tons of places to get a venue that might not require this, but keep in mind we are in CA, the "nanny state". People sue people for anything here.

  14. #14
    us
    Sep 2012
    D'Iberville MS
    E-Trac Equinox 800 Equinox 600
    1,153
    752 times
    Metal Detecting
    Honorable Mentions (1)
    Google liability ins

    AIG has all sorts of policies


    I don't detect for the stuff I find, I detect for the stuff I haven't found.

    If I didn't find it I hope you did.


 

 

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