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Insurance: Difference between revisions

From Bike Collectives Wiki

Revision as of 15:55, 8 May 2007

Acquiring Insurance is not a fun thing, especially if you start looking in the wrong places.

Places to start looking

The chances of finding an insurance company that is familiar with community bicycle organizations are slim, so finding one that is familiar with nonprofits in general is the better approach. Ask other local nonprofits who they use too.

Assuming your organization is a non-profit, you have certain resources at your disposal. One such resource is the National Council of Nonprofit Associations which different state-level Nonprofit Associations belong too. Ask them who they would recommend.

What to Cover

Liability

At least a million dollars in coverage.

Child Molestation Coverage

Does your organization work with kids? You should have child molestation coverage. Sounds horrible, but the act of one rogue volunteer can sink your organization. This would cover you in such an event and require you to do background checks on all your volunteers.

References

Retrieved from "https://wiki2.bikelover.org/wiki/index.php?title=Insurance&oldid=3136"

Debug data:

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[DBConnection] Wikimedia\Rdbms\LoadBalancer::lazyLoadReplicationPositions: executed chronology callback.
[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: opened new connection for local/0
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[ContentHandler] Registered handler for wikitext: WikitextContentHandler
[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
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[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
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[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
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[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
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[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
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[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
[DBQuery] DifferenceEngine::loadRevisionData [0s] database_staging: SELECT ct_tag_id AS `value` FROM `mw_change_tag` WHERE ct_rev_id = 3135
[DBQuery] DifferenceEngine::loadRevisionData [0s] database_staging: SELECT ct_tag_id AS `value` FROM `mw_change_tag` WHERE ct_rev_id = 3136
[MessageCache] MessageCache using store APCUBagOStuff
[MessageCache] MessageCache::loadUnguarded: Loading en... got from local cache
ParserFactory: using default preprocessor
[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
[DBQuery] MediaWiki\Revision\RevisionStore::getRelativeRevision [0s] database_staging: SELECT rev_id FROM `mw_revision` IGNORE INDEX (rev_timestamp) WHERE rev_page = 1746 AND (rev_timestamp < '20070508155428' OR (rev_timestamp = '20070508155428' AND rev_id < 3135 )) ORDER BY rev_timestamp DESC,rev_id DESC LIMIT 1
Unstubbing $wgLang on call of $wgLang::getDatePreferenceMigrationMap from Language->internalUserTimeAndDate
[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
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[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
[DBQuery] MediaWiki\Page\PageStore::getPageByNameViaLinkCache [0s] database_staging: SELECT page_id,page_namespace,page_title,page_is_redirect,page_is_new,page_touched,page_links_updated,page_latest,page_len,page_content_model FROM `mw_page` WHERE page_namespace = 3 AND page_title = 'Jonathan' LIMIT 1
[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
[DBQuery] MediaWiki\Revision\RevisionStore::loadSlotRecordsFromDb [0s] database_staging: SELECT slot_revision_id,slot_content_id,slot_origin,slot_role_id,content_size,content_sha1,content_address,content_model FROM `mw_slots` JOIN `mw_content` ON ((slot_content_id = content_id)) WHERE slot_revision_id = 3136
[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
[DBQuery] MediaWiki\Revision\RevisionStore::loadSlotRecordsFromDb [0s] database_staging: SELECT slot_revision_id,slot_content_id,slot_origin,slot_role_id,content_size,content_sha1,content_address,content_model FROM `mw_slots` JOIN `mw_content` ON ((slot_content_id = content_id)) WHERE slot_revision_id = 3135
[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
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[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
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[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
[DBQuery] MediaWiki\Revision\RevisionStore::getRevisionIdsBetween [0.001s] database_staging: SELECT rev_id AS `value` FROM `mw_revision` WHERE rev_page = 1746 AND ((rev_deleted & 1) = 0) AND ((rev_timestamp = '20070508155428' AND rev_id > 3135) OR rev_timestamp > '20070508155428') AND ((rev_timestamp = '20070508155547' AND rev_id < 3136) OR rev_timestamp < '20070508155547') LIMIT 1001
[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
[DBQuery] MediaWiki\Revision\RevisionStore::fetchRevisionRowFromConds [0.001s] database_staging: SELECT rev_id,rev_page,rev_timestamp,rev_minor_edit,rev_deleted,rev_len,rev_parent_id,rev_sha1,comment_rev_comment.comment_text AS `rev_comment_text`,comment_rev_comment.comment_data AS `rev_comment_data`,comment_rev_comment.comment_id AS `rev_comment_cid`,actor_rev_user.actor_user AS `rev_user`,actor_rev_user.actor_name AS `rev_user_text`,rev_actor,page_namespace,page_title,page_id,page_latest,page_is_redirect,page_len,user_name FROM `mw_revision` JOIN `mw_revision_comment_temp` `temp_rev_comment` ON ((temp_rev_comment.revcomment_rev = rev_id)) JOIN `mw_comment` `comment_rev_comment` ON ((comment_rev_comment.comment_id = temp_rev_comment.revcomment_comment_id)) JOIN `mw_actor` `actor_rev_user` ON ((actor_rev_user.actor_id = rev_actor)) JOIN `mw_page` ON ((page_id = rev_page)) LEFT JOIN `mw_user` ON ((actor_rev_user.actor_user != 0) AND (user_id = actor_rev_user.actor_user)) WHERE page_namespace = 0 AND page_title = 'Insurance' AND rev_id = 3136 LIMIT 1
[ParserCache] Creating ParserCache instance for pcache
[ParserCache] Creating RevisionOutputCache instance for rcache
[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
[DBQuery] MediaWiki\Revision\RevisionStore::loadSlotRecordsFromDb [0s] database_staging: SELECT slot_revision_id,slot_content_id,slot_origin,slot_role_id,content_size,content_sha1,content_address,content_model FROM `mw_slots` JOIN `mw_content` ON ((slot_content_id = content_id)) WHERE slot_revision_id = 3136
ContextSource::getContext (MediaWiki\Skins\Vector\SkinVector22): called and $context is null. Using RequestContext::getMain()
[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
[DBQuery] MediaWiki\Revision\RevisionStore::fetchRevisionRowFromConds [0s] database_staging: SELECT rev_id,rev_page,rev_timestamp,rev_minor_edit,rev_deleted,rev_len,rev_parent_id,rev_sha1,comment_rev_comment.comment_text AS `rev_comment_text`,comment_rev_comment.comment_data AS `rev_comment_data`,comment_rev_comment.comment_id AS `rev_comment_cid`,actor_rev_user.actor_user AS `rev_user`,actor_rev_user.actor_name AS `rev_user_text`,rev_actor,page_namespace,page_title,page_id,page_latest,page_is_redirect,page_len,user_name FROM `mw_revision` JOIN `mw_revision_comment_temp` `temp_rev_comment` ON ((temp_rev_comment.revcomment_rev = rev_id)) JOIN `mw_comment` `comment_rev_comment` ON ((comment_rev_comment.comment_id = temp_rev_comment.revcomment_comment_id)) JOIN `mw_actor` `actor_rev_user` ON ((actor_rev_user.actor_id = rev_actor)) JOIN `mw_page` ON ((page_id = rev_page)) LEFT JOIN `mw_user` ON ((actor_rev_user.actor_user != 0) AND (user_id = actor_rev_user.actor_user)) WHERE rev_id = 3136 LIMIT 1
[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
[DBQuery] MediaWiki\Revision\RevisionStore::getRelativeRevision [0s] database_staging: SELECT rev_id FROM `mw_revision` IGNORE INDEX (rev_timestamp) WHERE rev_page = 1746 AND (rev_timestamp < '20070508155547' OR (rev_timestamp = '20070508155547' AND rev_id < 3136 )) ORDER BY rev_timestamp DESC,rev_id DESC LIMIT 1
[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
[DBQuery] MediaWiki\Revision\RevisionStore::fetchRevisionRowFromConds [0s] database_staging: SELECT rev_id,rev_page,rev_timestamp,rev_minor_edit,rev_deleted,rev_len,rev_parent_id,rev_sha1,comment_rev_comment.comment_text AS `rev_comment_text`,comment_rev_comment.comment_data AS `rev_comment_data`,comment_rev_comment.comment_id AS `rev_comment_cid`,actor_rev_user.actor_user AS `rev_user`,actor_rev_user.actor_name AS `rev_user_text`,rev_actor,page_namespace,page_title,page_id,page_latest,page_is_redirect,page_len,user_name FROM `mw_revision` JOIN `mw_revision_comment_temp` `temp_rev_comment` ON ((temp_rev_comment.revcomment_rev = rev_id)) JOIN `mw_comment` `comment_rev_comment` ON ((comment_rev_comment.comment_id = temp_rev_comment.revcomment_comment_id)) JOIN `mw_actor` `actor_rev_user` ON ((actor_rev_user.actor_id = rev_actor)) JOIN `mw_page` ON ((page_id = rev_page)) LEFT JOIN `mw_user` ON ((actor_rev_user.actor_user != 0) AND (user_id = actor_rev_user.actor_user)) WHERE rev_id = 3135 LIMIT 1
[DBQuery] MediaWiki::preOutputCommit [0s] database_staging: COMMIT
MediaWiki::preOutputCommit: primary transaction round committed
[DeferredUpdates] DeferredUpdates::run: started MWCallableUpdate_WikiPage->doViewUpdates #764
[DeferredUpdates] DeferredUpdates::run: ended MWCallableUpdate_WikiPage->doViewUpdates #764, processing time: 8.6069107055664E-5
MediaWiki::preOutputCommit: pre-send deferred updates completed
MediaWiki::preOutputCommit: session changes committed
[DBReplication] Wikimedia\Rdbms\ChronologyProtector::persistSessionReplicationPositions: no primary positions/timestamps to save
[DBReplication] Wikimedia\Rdbms\LBFactory::shutdown: finished ChronologyProtector shutdown
[DBReplication] LBFactory shutdown completed
OutputPage::haveCacheVaryCookies: no cache-varying cookies found
[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
[DBQuery] Wikimedia\Rdbms\Database::beginIfImplied (LinkBatch::doQuery (for Skin::preloadExistence)) [0s] database_staging: BEGIN
[DBQuery] LinkBatch::doQuery (for Skin::preloadExistence) [0s] database_staging: SELECT page_id,page_namespace,page_title,page_is_redirect,page_is_new,page_latest,page_touched,page_len,page_content_model FROM `mw_page` WHERE (page_namespace = 1 AND page_title = 'Insurance')
[DBConnection] Wikimedia\Rdbms\LoadBalancer::getLocalConnection: reused a connection for local/0
[DBQuery] MediaWiki\User\TalkPageNotificationManager::dbCheckNewUserMessages [0s] database_staging: SELECT user_ip FROM `mw_user_newtalk` WHERE user_ip = '172.18.0.2' LIMIT 1
[gitinfo] Candidate cacheFile=/var/www/html/w/gitinfo.json for /var/www/html/w
[gitinfo] Cache incomplete for /var/www/html/w

@@ Line 2: / Line 2: @@
 == Places to start looking ==
+The chances of finding an insurance company that is familiar with community bicycle organizations are slim, so finding one that is familiar with nonprofits in general is the better approach.  Ask other local nonprofits who they use too.
 Assuming your organization is a non-profit, you have certain resources at your disposal.  One such resource is the [http://www.ncna.org National Council of Nonprofit Associations] which different [http://www.ncna.org/index.cfm?fuseaction=Page.viewPage&pageId=366 state-level Nonprofit Associations] belong too.  Ask them who they would recommend.
-The chances of finding an insurance company that is familiar with community bicycle organizations is slim, so finding one that is familiar with nonprofits in general is the better approach.  Ask other local nonprofits who they use too.
 == What to Cover ==