Are guests covered by our liability insurance?

Questions: 

1. Are non-Probus guests and members of other Probus Clubs covered by our Probus Club insurance if they take part in our Probus choir meetings?
2. Our Club arranges weekly hiking and walking tours; are guests covered by the Probus Club insurance?

Answer: Please keep in mind that the Probus policy is a "third party liability" policy which covers you in the event that an action is taken against you by an outside party. It is not health or accident insurance.

There is no set policy about lists of participants, but there are reasons why the local Club records attendees at special events. Should there be an incident and a claim is filed, the Club would be asked for comment on:

• The incident,
• Was the individual in “attendance at” or “on” the date mentioned in the claim, and
• Other related details.

It may be simple to check with others for this information, but a written record is much more dependable and accurate than the group leader's or others' memory. It gives a history for payment or balance owing. Simply put, it is a call by the Club, but it is well worth the time spent on creating some form of a list and should be given serious consideration.