[Date Prev][Date Next][Thread Prev][Thread Next][Date Index][Thread Index][Index by Month]
Re: [AGA SC] Another perspective on the AGA "Forum" proposal
I think that, unless we know an actuary, or hirre an
actuary, we are rvery well equiped to assess the exposure.
One quick and dirty is to use the NOvak thing as a base for
what it might cost. The assumption being that we'd be in
the right.
I think what we need is very good, honest insurance person.
Anyone carrying a lamp around inthe daytime ? :-)
sh
--- Kathy Olson <kathy@thekrib.com> wrote:
>
> Hi
>
> This is interesting too, how much is enough.
>
> I know that I was always told, carry a mil umbrella on
> your personal
> house/property, this was back when I was a med
> student...they said yeah
> you are med student and up to your ears in debt but one
> day you will not
> be a med student. Then the main worry was car accident
> stuff.
>
> Now I am a doc, and the clinic carries malpractice
> insurance. My exposure
> is HUGE, way larger than the AGA, and they carry one
> million. Which is
> not a lot when you look at how cases are settled these
> days. Our clinic
> use to carry 2 mil but then when compared to other docs
> in the area,
> industry standard was 1 mil. So they felt like having a
> 2 mil limit just
> invited more lawsuits at a higher number.
>
> So the question is, "what is our exposure"-all we do is a
> magazine, email
> list, possible forum and a convention (of which the hotel
> is way bigger
> target than us)...but still yes I think we need
> insurance. I wouldn't
> let it be public knowledge that we have it either (the
> target issue), yes,
> I sound paranoid here.
>
> The thing is...the Novak think with Erik really stressed
> me out. We
> couldn't refinance our house jointly because Erik was
> named in a suit, so
> we had to quick claim deed it to me and I refinanced it
> in my name. It is
> why I didn't want to be on the AGA board, so if the board
> was ever sued
> one of us was lawsuit free to be able to do things like
> refinance. Yes,
> it sucks, but I have to live with this stuff regularly
> with work. There
> probably isn't a month, maybe even week that goes by that
> we/md's don't
> have something regarding it cross our desks. no we
> aren't sued that much,
> but there is just tons of info about it.
>
> I know this is way more than you wanted to hear, but
> there you go.
>
> Kathy
>
>
> On Fri, 9 Apr 2004, S. Hieber wrote:
>
> > One of the confounding elements on this issue is not
> what
> > is the cost for a given amount of protectio, but how
> much
> > is a reasonable amount of protecton to buy. . . .
> >
> > Probably only an actuary could make some reasonable
> > assessment of the amount of harm ($s) combined with the
> > probability of ocurrence to determine total risk
> against
> > which it's reasonable to protect.
> >
> > I'm sure I did not say that very well :-\
> >
> > sh
> > --- David Lass <davidlass@villasunscape.com> wrote:
> > > I'll have to call thge insurance guy Monday -- will
> do
> > > so.
> > > Take care,
> > > David
> > > ----- Original Message -----
> > > From: "Kathy Olson" <kathy@thekrib.com>
> > > To: <aga-sc@thekrib.com>
> > > Sent: Friday, April 09, 2004 9:46 AM
> > > Subject: Re: [AGA SC] Another perspective on the AGA
> > > "Forum" proposal
> > >
> > >
> > > >
> > > > David
> > > >
> > > > what were the quotes you last got on ins?
> > > >
> > > > On Fri, 9 Apr 2004, David Lass wrote:
> > > >
> > > > > The problem is that with a published magazine
> there
> > > is all sorts of law
> > > > > regarding libel and slander -- one is for spoken
> one
> > > is for written both
> > > are
> > > > > the same. With stuff on the web it is not so
> clear,
> > > and there is a
> > > building
> > > > > "tradition" that you can say anything you want in
> > > cyberspace.
> > > Unfortunately,
> > > > > this slams right into the American tradition of
> you
> > > can sue anyone for
> > > > > anything. The real problem is not the
> consequences of
> > > losing a
> > > lawsuit -- it
> > > > > is the costy of defending yourself. Insurance
> pays
> > > for this as well as
> > > if
> > > > > the idiot who sued you prevails.
> > > > > David
> > > > > ----- Original Message -----
> > > > > From: "S. Hieber" <shieber@yahoo.com>
> > > > > To: <aga-sc@thekrib.com>
> > > > > Sent: Friday, April 09, 2004 6:27 AM
> > > > > Subject: Re: [AGA SC] Another perspective on the
> AGA
> > > "Forum" proposal
> > > > >
> > > > >
> > > > > > This begs a question that Erik has already
> hinted
> > > at. We do
> > > > > > not have this fear of speech re TAG. Everything
> is
> > > > > > previewed and edited so tht we are comfortable
> with
> > > the
> > > > > > content. Is this how, if we did forums, we
> would
> > > have to do
> > > > > > them? Is this how we need to manage the member
> > > mail list?
> > > > > >
> > > > > > sh
> > > > > > --- Erik Olson <erik@thekrib.com> wrote:
> > > > > > > Agreed David!!! With all this talk, I'm
> worried
> > > that
> > > > > > > someone might just
> > > > > > > come by and sue us over something on our
> little
> > > e-mail
> > > > > > > list these days.
> > > > > > > Beleive me, Novak WOULD have if the AGA had
> > > gotten
> > > > > > > involved in the PSW
> > > > > > > case 3 years ago. It is quite fortunate, for
> > > instance,
> > > > > > > that I am
> > > > > > > officially not making any money off the video
> > > sales, but
> > > > > > > rather it is
> > > > > > > entirely going towards reimbursement for all
> the
> > > > > > > equipment I purchase...
> > > > > > > this is a point he tried to use against me in
> the
> > > > > > > lawsuit.
> > > > > > >
> > > > > >
> > > > > >
> > > > > > =====
> > > > > > - - - - - - - -
> > > > > > AGA 2004 Annual Convention
> > > > > > Designing The Nature Aquarium -- demonstrated
> by
> > > Takashi Amano
> > > > > > Paludarium design -- Mike Senske
> > > > > > Planted Aquarium Ecology -- Diana Walstad
> > > > > > Cryptocorynes -- Jan D. Bastmeijer
> > > > > > Field Trip, workshops and more, Nov 12, 13 &
> 14;
> > > > > > Marriott Crystal Gateway, Arlington, VA, USA
> > > > > > Details & Registration at
> www.aquatic-gardeners.org
> > > & www.gwapa.org
> > > > > >
> > > > > > __________________________________
> > > > > > Do you Yahoo!?
> > > > > > Yahoo! Small Business $15K Web Design Giveaway
> > > > > > http://promotions.yahoo.com/design_giveaway/
> > > > > > ------------------
> > > > > > To unsubscribe from this list, e-mail
> > > majordomo@thekrib.com
> > > > > > with "unsubscribe aga-sc" in the body of the
> > > message.
> > > > > > Old messages are available at
> > > http://lists.thekrib.com/aga-sc
> > > > > > When asked, log in as username is "aga-sc",
> and
> > > password "incorp".
> > > > > >
> > > > > >
> > > > >
> > > > > ------------------
> > > > > To unsubscribe from this list, e-mail
> > > majordomo@thekrib.com
> > > > > with "unsubscribe aga-sc" in the body of the
> > > message.
> > > > > Old messages are available at
> > > http://lists.thekrib.com/aga-sc
> > > > > When asked, log in as username is "aga-sc", and
> > > password "incorp".
> > > > >
> > > >
> > > > ------------------
> > > > To unsubscribe from this list, e-mail
> > > majordomo@thekrib.com
> > > > with "unsubscribe aga-sc" in the body of the
> message.
> > > > Old messages are available at
> > > http://lists.thekrib.com/aga-sc
> > > > When asked, log in as username is "aga-sc", and
> > > password "incorp".
> > > >
> > > >
> > >
> > > ------------------
> > > To unsubscribe from this list, e-mail
> > > majordomo@thekrib.com
> > > with "unsubscribe aga-sc" in the body of the
> message.
> > > Old messages are available at
> > > http://lists.thekrib.com/aga-sc
> > > When asked, log in as username is "aga-sc", and
> > > password "incorp".
> > >
> >
> >
> > =====
> > - - - - - - - -
> > AGA 2004 Annual Convention
> > Designing The Nature Aquarium -- demonstrated by
> Takashi Amano
> > Paludarium design -- Mike Senske
> > Planted Aquarium Ecology -- Diana Walstad
> > Cryptocorynes -- Jan D. Bastmeijer
> > Field Trip, workshops and more, Nov 12, 13 & 14;
> > Marriott Crystal Gateway, Arlington, VA, USA
> > Details & Registration at www.aquatic-gardeners.org &
> www.gwapa.org
> >
> > __________________________________
> > Do you Yahoo!?
> > Yahoo! Small Business $15K Web Design Giveaway
> > http://promotions.yahoo.com/design_giveaway/
> > ------------------
> > To unsubscribe from this list, e-mail
> majordomo@thekrib.com
> > with "unsubscribe aga-sc" in the body of the message.
> > Old messages are available at
> http://lists.thekrib.com/aga-sc
> > When asked, log in as username is "aga-sc", and
> password "incorp".
> >
>
> ------------------
> To unsubscribe from this list, e-mail
> majordomo@thekrib.com
> with "unsubscribe aga-sc" in the body of the message.
> Old messages are available at
> http://lists.thekrib.com/aga-sc
> When asked, log in as username is "aga-sc", and
> password "incorp".
>
=====
- - - - - - - -
AGA 2004 Annual Convention
Designing The Nature Aquarium -- demonstrated by Takashi Amano
Paludarium design -- Mike Senske
Planted Aquarium Ecology -- Diana Walstad
Cryptocorynes -- Jan D. Bastmeijer
Field Trip, workshops and more, Nov 12, 13 & 14;
Marriott Crystal Gateway, Arlington, VA, USA
Details & Registration at www.aquatic-gardeners.org & www.gwapa.org
__________________________________
Do you Yahoo!?
Yahoo! Small Business $15K Web Design Giveaway
http://promotions.yahoo.com/design_giveaway/
------------------
To unsubscribe from this list, e-mail majordomo@thekrib.com
with "unsubscribe aga-sc" in the body of the message.
Old messages are available at http://lists.thekrib.com/aga-sc
When asked, log in as username is "aga-sc", and password "incorp".