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Re: [AGA SC] Another perspective on the AGA "Forum" proposal
I did talk to my insurance agent when the subject came up before. When he
heard that an internet forum was involved, he didn't want to touch it with a
ten foot pole. Or a nine foot Russian either.
Karen
----- Original Message -----
From: "Kathy Olson" <kathy@thekrib.com>
To: <aga-sc@thekrib.com>
Sent: Saturday, April 10, 2004 11:56 AM
Subject: Re: [AGA SC] Another perspective on the AGA "Forum" proposal
> David,
>
> I think multiple opinions are good.
>
> Exactly my point on the doc stuff. Doc's know we get sued, and that we
> are seen as a target or easy mark. The AGA isn't EVEN CLOSE to the
> liability that I have as a doctor. So it should be cheap. Shoot, car
> insurance should be more, we have more liability driving our cars than the
> AGA does. But alas it is all a business in a sue happy world.
>
> I am pursuing the ACA question, and some local clubs too.
>
> Yes, I think we should all ask our insurance people and get multiple
> quotes. I think we also should make it clear that we have very limited
> exposure too...because we do in my opinion!
>
>
> Kathy
>
>
> On Sat, 10 Apr 2004, David Lass wrote:
>
> > The medical problem with lawsuits and insurance is, I hope, very
different
> > from AGA's. Docs ands hospitals/clinics are perceived as having very
deep
> > pockets -- hopefully AGA is seen as only have a deep enough gravel base
ot
> > hold the roots.
> > Monday I will get with my insurance folks and push them a little
further. If
> > anyone else wants to pursue a different insurer that can't hurt.
> > David
> > ----- Original Message -----
> > From: "Kathy Olson" <kathy@thekrib.com>
> > To: <aga-sc@thekrib.com>
> > Sent: Friday, April 09, 2004 8:29 PM
> > Subject: Re: [AGA SC] Another perspective on the AGA "Forum" proposal
> >
> >
> > >
> > > 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/
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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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> >
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