Re: [AGA SC] Another perspective on the AGA "Forum" proposal

[Erik Olson <erik@thekrib.com>]

Y'know, I'm not sure.  I could ask Wayne L...  What exactly would be the 
question: "what kind of and how much insurance does the ACA take out?"

  - Erik

On Sat, 10 Apr 2004, David Lass wrote:

> Just out of curiosity, how does ACA handle this?
> David
> ----- Original Message ----- 
> From: "S. Hieber" <shieber@yahoo.com>
> To: <aga-sc@thekrib.com>
> Sent: Friday, April 09, 2004 8:40 PM
> Subject: 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
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> > > > 
> > > > 
> > > > =====
> > > > -  -   -   -   -   -   -   -
> > > > 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/
> > > >   ------------------
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> > 
> > 
> > =====
> > -  -   -   -   -   -   -   -
> > 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/
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> 

-- 
Erik Olson
erik at thekrib dot com

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