William Dougherty Posted January 18, 2023 Share Posted January 18, 2023 Looking for an insurance provider for a Lions Club Car Show held on our premises (single day) 200 show cars. Not a member of AACA. Eastern Shore Maryland. Link to comment Share on other sites More sharing options...
Steve Moskowitz Posted January 18, 2023 Share Posted January 18, 2023 Hang on, checking with our provider for you. Not sure they do single event policies. 2 Link to comment Share on other sites More sharing options...
MotiveLensPhoto Posted January 19, 2023 Share Posted January 19, 2023 You need to talk to the provider of your liability insurance, not auto insurance. Regardless, I would also ask for an umbrella policy which is an extra layer in case there's something the building/club liability policy doesn't cover. Also, check with the national office since they might have resources. Link to comment Share on other sites More sharing options...
Terry Bond Posted January 19, 2023 Share Posted January 19, 2023 Wondering if the parent organization has coverage for the local chapters? Terry 1 Link to comment Share on other sites More sharing options...
Bryan G Posted January 19, 2023 Share Posted January 19, 2023 I was involved fairly heavily in Lions for a number of years, and also live in the area. I vaguely remember some insurance that was offered. If they still publish the Lions magazine, check the ads in there. The local club runs an annual event but not a car show; I can't remember now who we insured it through? I'm familiar with Wings & Wheels for Sight that at least used to be held by the Kent Island & Queenstown clubs. Link to comment Share on other sites More sharing options...
Steve Moskowitz Posted January 19, 2023 Share Posted January 19, 2023 It does not sound like this event is part of a car club. A local car show. He states he is not an AACA member. AACA does provide insurance coverage for all our regions and chapter events. Link to comment Share on other sites More sharing options...
Jim Mead Posted January 19, 2023 Share Posted January 19, 2023 Very nice of you Steve, to check for him. With Show running becoming ever more difficult, or at least Regions finding it more difficult to organize and execute, I wonder if there might not be an opportunity for National to find a way to partner Regions with not-for-profits? Link to comment Share on other sites More sharing options...
William Dougherty Posted January 19, 2023 Author Share Posted January 19, 2023 What does AACA membership cost for an organization and does that open the door for event insurance? 1 Link to comment Share on other sites More sharing options...
TAKerry Posted January 19, 2023 Share Posted January 19, 2023 I am upper eastern shore, where is the show in question? Also, the Lions club of Bel Air? (MD) has a very large car show every spring in Jarrettsville MD. Maybe check with them to see what they do. 1 Link to comment Share on other sites More sharing options...
William Dougherty Posted January 19, 2023 Author Share Posted January 19, 2023 The Galena Lions Club holds their show at Massey Aerodrome the first Sunday of November and it's been growing steadily. Been lucky with the weather. Would like to attract AACA cars. 2 Link to comment Share on other sites More sharing options...
Steve Moskowitz Posted January 19, 2023 Share Posted January 19, 2023 7 minutes ago, William Dougherty said: What does AACA membership cost for an organization and does that open the door for event insurance? AACA membership is $45. In order for a region to be established it requires 15 members. A region automatically is covered by a multi-million dollar liability policy and a Directors & Officers Policy. Yes, our regions are covered automatically by our policy for any official club event whether it is a Christmas part, car show, meeting, etc. Link to comment Share on other sites More sharing options...
TAKerry Posted January 19, 2023 Share Posted January 19, 2023 2 minutes ago, William Dougherty said: The Galena Lions Club holds their show at Massey Aerodrome the first Sunday of November and it's been growing steadily. Been lucky with the weather. Would like to attract AACA cars. I know Galena well. I have seen the show advertised havent made it yet. Looking forward to it this year. I am in Cecil co. 1 Link to comment Share on other sites More sharing options...
William Dougherty Posted January 19, 2023 Author Share Posted January 19, 2023 How does AACA insurance work? If Massey airport itself, as host, became an AACA member but the show also remained a Lions Club sponsored fund raising event would Massey qualify for AACA insurance? I see that AACA Brandywine Region is only a 25 minute drive from Massey. Link to comment Share on other sites More sharing options...
John_S_in_Penna Posted January 19, 2023 Share Posted January 19, 2023 30 minutes ago, William Dougherty said: How does AACA insurance work? If Massey airport itself, as host, became an AACA member... Just becoming a member doesn't grant an individual access to all the benefits of a region. And a group or organization (such as a Lions' Club or an airport) should never be a region just to get insurance. The AACA would expect a region to be active throughout the year, for many years, in all sorts of car activities. If there is an AACA region near the Lions' Club, maybe the Lions' Club could volunteer to assist. At our own local show, one such club has a trailer where ice cream novelties are sold, raising some money for that club. Link to comment Share on other sites More sharing options...
61polara Posted January 19, 2023 Share Posted January 19, 2023 20 minutes ago, William Dougherty said: How does AACA insurance work? If Massey airport itself, as host, became an AACA member but the show also remained a Lions Club sponsored fund raising event would Massey qualify for AACA insurance? I see that AACA Brandywine Region is only a 25 minute drive from Massey. AACA doesn't offer corporate memberships only individual memberships. As Steve said above it takes 15 individual members to apply to become a region. The AACA National Board then has to approve the application. When approved, the group of individuals becomes a Region. The event would need to be an official event of the new Region for insurance coverage. You have also said that you are not far from an existing AACA region. You may want to consider joining that Region and see if they are interested in making the event an official Region event. There are a lot of other technical issues with either of these suggestions, such as coverage for Lions Club members who are not members of AACA National, but working the event. Several AACA Regions host very large flea markets and car shows, so most of these questions have been answered. I would recommend a phone call to Steve Moskowitz, AACA National CEO, at the National Office to discuss these options and see if it would be a workable partnership. 1 Link to comment Share on other sites More sharing options...
Paul Dobbin Posted January 19, 2023 Share Posted January 19, 2023 Forty years ago our local Model A Club bought event coverage from J.C. Taylor Insurance Agency (The Classic Car Insurance place) They also endorsed our private insurance to cover us on a couple Great American Races. You need to ask you carriers. Link to comment Share on other sites More sharing options...
Buffalowed Bill Posted January 20, 2023 Share Posted January 20, 2023 I have one car that I have shown that I felt deserved special show insurance. I had been showing the car for 20 years with no problem. This I was inquiring about was about ten years ago. When inquired about the coverage from Hagerty, I was expecting the response that I got. They wanted something like $225 for what they called "paddock insurance." For a single day event! turns out that they wouldn't sell me just one day's worth of paddock insurance, I had to purchase it for the whole year! I was so incensed that if I hadn't just paid my yearly premium and been to lazy I would have searched out another company, but I'm still with them. What their policy is now I have no idea. I winged it for that show and said never again. I just brought that car home from an extended four year stay in the LeMay America's Car Museum, for which no paddock insurance was required. I assume that there was an agreement between the museum and Hagerty. At least Hagerty indicated that my regular policy would afford full protection during it's stay. I admit I don't always understand insurance. End of vent! Link to comment Share on other sites More sharing options...
William Dougherty Posted January 20, 2023 Author Share Posted January 20, 2023 Interesting discussion. I’ve pretty much decided I can’t buy any type of “stand-alone” insurance. If the Lions Club isn’t insured then I’ve got to persuade the Lions Club to “merge” the show with the local AACA region - IF AACA has any interest and No Conflict on the date! Or go Bareback? Link to comment Share on other sites More sharing options...
3macboys Posted January 21, 2023 Share Posted January 21, 2023 The paradox of insurance - it seems really expensive to buy but if you need it, it was cheap. Given the shear number of events that Lions is involved in I would be shocked if they don't already have coverage, the biggest hurdle might be finding the right person to give you the answer. Years ago we used to do a one day show in a city park, 500 plus cars, with the local Rotary club and their insurance covered the event with nothing extra required. Link to comment Share on other sites More sharing options...
61polara Posted January 21, 2023 Share Posted January 21, 2023 Your first step should be to determine what insurance coverage the Lions Club has on a national level. I would be very surprised if they do not have insurance to cover Lions Club events. 1 Link to comment Share on other sites More sharing options...
EmTee Posted January 21, 2023 Share Posted January 21, 2023 14 hours ago, Buffalowed Bill said: They wanted something like $225 for what they called "paddock insurance." For a single day event! turns out that they wouldn't sell me just one day's worth of paddock insurance, I had to purchase it for the whole year! I wonder what would happen if you were showing the car for say, three months and you paid the extra annual premium for paddock insurance and then after showing the car removed the extra coverage. Typically, you'd receive a pro-rated refund. There could, however, be a minimum charge... Link to comment Share on other sites More sharing options...
Stude Light Posted January 21, 2023 Share Posted January 21, 2023 When working for the RE Olds Transportation Museum, I was paying $250 -$450 for a liability policy for our one day car show. Cost depended on where it was held, how many additional entities were named on the policy and total amount of coverage. You would want to name the organization hosting the event (Lions Club), then all the property owners. We often added coverage for a day or two before and after the event to cover for setup and teardown. We used our broker to get a few quotes but without a broker you can just call a few firms that provide liability insurance - Hagerty would be one of those. Link to comment Share on other sites More sharing options...
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