Originally Posted by
MinnMan
Very importantly, most bike clubs that have liability insurance buy it through LAB. A group of 20 or 100 cyclists couldn't easily approach an underwriter directly and get insurance, but bundled together by the LAB, insurance becomes financially and logistically plausible They provide a very important service in the background to many cyclists who may not even be aware of their role.
Can you explain what service does club liability insurance bought through LAB provide?
IOW, who is covered for what kind of liability? Do all club members receive liability protection, and if so, under what conditions - only when riding on club sponsored rides or what?
Or is it just coverage/protection for the club officers from liability suits from its own members and/or the general public who might participate or be affected by its club activities?