EDGE&TA Insurance
Frequently Asked Questions & Answers
Note: We are
continually updating this section.
No. The only time you need to report an event is if it is an event sponsored by your
Branch. (If your branch's people mover is involved see Question 3)
No. Every EDGE&TA member has Liability Insurance anywhere they go. They must follow the EDGE&TA Safety requirement if they expect coverage. (If your branch's people mover is involved see Question 3.
Yes, Report as an Event. Use the Event Reporting Form.
If we want to use the EDGE&TA insurance, you must report the event to the EDGE&TA Insurance Company. This can be done on the EDGE&TA web Site (www.edgeta.org) under "Required Forms" or under “insurance info”. Each Branch must report their sponsored events or shows to assure insurance coverage. The form will ask you to report the number of spectators (do not include EDGE&TA members) that you expect to attended the event. This is a requirement of the policy. Report all sponsored events 30 days (not less than 10 days) prior to the event.
If a SPONSORED EVENT "IS NOT" REPORTED, "NO COVERAGE" is afforded to "The Early Day Gas Engine & Tractor Association, Inc.", FOR ANY AND ALL OF ITS MEMBERS. THIS MEANS THAT YOUR SPONSORED EVENT DOES NOT HAVE INSURANCE IF IT IS NOT REPORTED. THERE IS NO COVERAGE FOR THE SPONSORING BRANCH MEMBERS AND NO COVERAGE FOR ANY VISITING BRANCH MEMBERS. THEREFORE, YOU MUST REPORT ALL SPONSORED EVENTS IF YOU WANT INSURANCE COVERAGE. However, the individual members of The Early Day Gas Engine & Tractor Association, Inc. are covered when attending NON-sponsored events without reporting. Our insurance carrier requires that we report sponsored events 30 days prior (not less than 10 days) to the starting date of the event.
Yes, all EDGE&TA members are covered at reported events. Note: It is an insurance requirement for the sponsoring Branch to report the event for the sponsoring Branch members to be covered.
Yes. All Branch sponsored events should have a person designated to take membership applications and issue membership cards. Non-members may join EDGE&TA prior to or at the event and have coverage that day.
By checking the EDGE&TA Show Calendar on our web pages and then contacting the Branch officers for additional information.
No, You are only covered while at the event. Your coverage starts as soon as your equipment touches the ground at the event. This is for liability coverage only. It does not cover damage to your equipment or if you damage another member’s equipment. Keep in mind coverage is not for you. It is for other people and their property. Be certain your personal insurance matters are in order. The association policy is not a substitute or replacement for your personal insurance policies. There is no coverage for bodily injury or property damage to you or your possessions. Note: Your vehicle insurance should cover you while in transit to and from the show for liability coverage. You need to check with your insurance company to make sure you have liability coverage on a towed vehicle.
Yes, all exhibitor, demonstrators and participants must be EDGE&TA members.
No. It is permissible for a non-EDGE&TA member volunteer to help out with club product sales, or assist a branch at an event with the gate, cleanup and parking assistance. But they may not exhibit or perform the functions of a member exhibitor or drive or operate equipment of any kind. Volunteers have the same insurance coverage as Branch members. If they injure a spectator or his vehicle for example, our insurance will defend the volunteer. If the volunteer and another member injure one another they are not covered, just like any other two EDGE&TA members.
Yes, people movers and kids barrel rides are both covered at no additional charge. See the list of requirements for people movers and barrel rides on the web page. Note: If a Branch takes their people mover or barrel ride to a non-sponsored event, it must be reported to the insurance agent as a sponsored event if you plan to have EDGE&TA insurance coverage.
If the non-EDGE&TA event does not have insurance coverage for the pull, to have EDGE&TA insurance coverage the pull must be reported as a sponsored event. Your Branch is now sponsoring the pull and as an event it must be reported to have insurance coverage. At any part of a show/event that your Branch wants to be covered under the EDGE&TA insurance, all of the participants/pullers in that event must be EDGE&TA members.
As long as the EDGE&TA member is a spectator, he is considered a spectator by our insurance. If he decides to help the Branch with any of their exhibits or assumes the role of a volunteer at that show, he is considered an EDGE&TA member by the insurance.
To have coverage under the EDGE&TA policy, Yes. To participate, No, but they must provide a certificate of insurance to the sponsoring Branch naming the sponsoring Branch and EDGE&TA as additional named insured's prior to the event. (see "Request for Vendor Certificate")
No. However if they are not members, they must provide a certificate of insurance naming the Branch and EDGE&TA as additional named insured's. This paperwork is the responsibility of the sponsoring Branch and should be maintained in the Branch records. (see "Request for Vendor Certificate")
Not if you are in the business of buying and selling your wares on a regular or commercial basis. You must provide the sponsoring Branch a certificate of insurance naming that Branch and EDGE&TA as addition named insured's. If, however, you are only a vendor at your home show coverage would apply for bodily injury or property damage you unintentionally do to others. (See "Request of Vendor Certificate)
You must request a "Proof Of Insurance Certificate" from the Insurance Company by filling out the form on the EDGE&TA web Site under "Required Forms" or under “Insurance Info”. The "Proof of Insurance Certificate" will be sent directly to the requesting party.
Submit a Request for an "Additional Insured Certificate" 30 days prior to the date the certificate is needed by the landowner. (See Additional Insured Certificate of Insurance on the web page, under “Required Forms” or under “Insurance Info”.) The "Additional Insured Certificate" will be sent directly to the requesting party.
Our insurance carrier has informed EDGE&TA that our policy does cover Canadians who are members of US Branches. However, EDGE&TA is unable to accept or to offer insurance to a Canadian Branch at this time.
The carrier does not cover anything pulled by horses, or that involves horses or other animals that might be used to pull carts, wagons, carriages, etc. This includes saddle horses and other animals that are ridden.
NO COVERAGE PROVIDED BY SCOTTSDALE'S POLICY
CORRECT
YES
Members are afforded insurance anywhere they go provided they follow EDGE&TA Safety requirements
Yes it is an event and must be reported by the EDGETA branch sponsoring it.
Yes. They are covered, it is the same as an EDGETA member attending a non EDGETA event; they are covered by EDGETA insurance as long as they follow the EDGETA safety requirements.
It is the responsibility of the branch officers and directors or designated person to report events. If it is not done it is up to them to deal with the consequences. It is easy for the appropriate Director or Officer or designated person to report events and so this should not discourage them from being a Director or Officer. The reporting of sponsored events should be monitored by all Officers & Directors to prevent this from happening. Most sponsored events are planned well in advance of the actual show date and the appropriate person should report to the Officers & Directors that said event has been reported. This should be on the Branch President's agenda at every meeting. He should ask, "has all of the sponsored events been reported."
The key word is that you are sponsoring the exhibit etc, along with another organization. You need to report it and to adhere to the EDGETA safety requirements. If the other organization alone sponsors the event and you are asked to participate, you must follow EDGETA safety requirements to have EDGETA insurance coverage.
(1) it boils down to; the Branch is not covered if they sponsor or co-sponsor an event and do not report it.
(2) if a member attends a non sponsored event and does not follow the EDGETA safety requirements, the member does not have coverage.
For all of the events put on by any of the members of EDGE&TA that have someone like this participating in the event: Please ask them to provide you with a Certificate of Insurance from their agent, and asked to be named on their policy for this event only, as an ADDITIONAL INSURED. This needs to be stated on the Certificate along with a WAIVER OF SUBROGATION be put on the certificate. Membership is not required as long as they have insurance and can provide you that information mentioned above. If they do not have insurance, I would recommend you not allow them to participate. It is up to you if you want them to join. We do not have to have a copy of it, but I would have you keep them somewhere you would be able to find it readily in the event of an accident, or lawsuit. This places the burden of insurance on their policy and not yours for anything that would happen concerning their operations. The Waiver of Subrogation helps protect you against them coming back on you for any reason.
At the time you sign up a new member, give him an EDGETA membership card, and take his dues he is a full fledged member. He is covered by the insurance at that time. The EDGETA bylaws state that new member dues and insurance premiums are due and payable to the National Secretary/treasurer by each branch within 30 days of such a member joining a branch. If the funds are not being sent to the National secretary/treasurer, the member is not covered. We rely on the honesty of each branch to make that happen. If it is not happening they are doing a disservice to the new member (because he thinks he is covered), and may be jeopardizing their existence as a branch of EDGETA.
Our insurance does cover him if he should have an incident with a spectator, if he should run over their foot, or hit their car, etc.
Spouses of members who help with tractors or scales must be members. Scorekeepers should also be members, it is pushing it to consider them volunteers. Those that just provide moral support can come under the volunteer category and do not need to be members.
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