Below is an official announcement from the Society Seneschal regarding the SCA Insurance. Event autocrats and local seneschals should be familiar with this and the limitations outlined in this message.
If you have any questions please drop me a line.
Greetings to all Kingdom Seneschals,
Questions about the SCA’s insurance coverage have come up over the past year and I would like to clarify matters.
1. An officially sanctioned event conveys “coverage” of officers and the Society against litigation and does not provide medical insurance to attendees. (A participant was recently injured at an event and while the individual had sufficient health insurance, someone had a question regarding our insurance and if it applied to our participants. The answer is no, our insurance does not cover injuries sustained during SCA activities at SCA events.)
2. Our insurance does not cover stolen property. This is especially true if we rent something with wheels, like a golf cart; it is incumbent upon the group renting the item (vehicle, trailer et al.) to obtain insurance for the item with wheels from the company that rents the item. (We recently had golf carts stolen from an event and the group was out of pocket for the golf cart.)
3. The SCA’s insurance does not cover the intentional damage to event sites inflicted by our participants. (Within the last year or so, someone came upon a locked gate at an event and then drove through the gate; this intentional tort is not covered by our insurance and the group was forced to compensate the site owner.)
Our insurance over the past ten years has become increasingly more expensive and there is no way for our organization to cover the insuring our participants, rented property or intentional damage to a site.
Please pass this down to your local group seneschals.
Vice President of Operations, SCA Inc.
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