Dora,
It will cover any accident that could happen at a meeting or a show. Believe me it's worth it. When I was in my former club we had a member who was wheelchair bound. In order for her to get to a meeting she had to be lifted down and up the stairs. One meeting the chair slipped out of the hands and she was injured. She sued and the club would have been defunct if it had not been for the insurance.
Fred in NJ

I just spoke to Jenny at the AVSA office. She indicated the insurance is a liability coverage for any incident that occurs at the meeting site or a site where a show may be held. Many sites do require a certification of coverage if you have a meeting or show at that site.

Our club meets at my home, and she indicated that is also covered.

She also explained that the coverage is for something that may happen to a club member or member of the public. It also covers any damage that may occur to the site as a result of the meeting or show.

Barbara

Thanks to you both.

We have this (same type of) coverage through our affiliation with the Federated Garden Club of our state (which we also are a member of) and do not see it as wise to have 2 policies that cover the same thing.

Any thoughts to that? I think that our (incoming) President (who I adore) is lurking here so she'll be able to see what you respond with as well.

Dora

I would agree that there shouldn't be a need for both policies IF they cover the same thing.

Barbara

I agree also Dora, however I suggest that you check with the company who issues the liability insurance to make sure your AV club will be covered under the same policy because after all they are two different groups. If not use the AVSA policy, its worth it.