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Re: Protecting against liability
Our team is an incorporated 501(c)(3) public charity in California (since 2010). We obtain our liability insurance ($1M per occurrence, $2M aggregate) from Nonprofits Insurance Alliance of California (NIAC). We have Improper Sexual Conduct (ISC) coverage as well, which requires background checks of each of our mentors. (Essentially the same check required by FIRST's Youth Protection Program).
Our members (registered in TIMS) are protected by our policy. We do train (certify) students for use of power tools. We also are strict about "horseplay" in our facility and at competitions.
We've been fortunate to not have any incidents or injuries (beyond minor cuts). Still, I'm not comfortable what constitutes "negligent acts" in the highly litigious environment in California.
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"There's never enough time to do it right, but always time to do it over."
2003 AZ: Semifinals, Motorola Quality; SoCal: Q-finals, Xerox Creativity; IRI: Q-finals
2004 AZ: Semifinals, GM Industrial Design; SoCal: Winners, Leadership in Controls; Championship: Galileo #2 seed, Q-finals; IRI: Champions
2005 AZ: #1 Seed, Xerox Creativity; SoCal: Finalist, RadioShack Controls; SVR: Winners, Delphi "Driving Tomorrow's Technologies"; Championship: Archimedes Semifinals; IRI: Finalist
2007 LA: Finalist; San Diego: Q-finals; CalGames: Finalist || 2008 San Diego: Q-finals; LA: Winners; CalGames: Finalist || 2009 LA: Semifinals; Las Vegas: Q-finals; IRI: #1 Seed, Finalist
2010 AZ: Motorola Quality; LA: Finalist || 2011 SD: Q-finals; LA: Q-finals || 2013 LA: Xerox Creativity, WFFA, Dean's List Finalist || 2014 IE: Q-finals, LA: Finalist, Dean's List Finalist
2016 Ventura: Q-finals, WFFA, Engineering Inspiration
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