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Re: [AGA SC] Another perspective on the AGA "Forum" proposal
That weas the feedback I got from one insurance guy I know -- not the one
that was going to give us the quote. The problem is that there is not enough
experience to make any kind of an actuarial bet, so, in typical insurance
company ways, they will quote very very high.
David
----- Original Message -----
From: "Karen Randall" <krandall@rdrcpa.biz>
To: <aga-sc@thekrib.com>
Sent: Saturday, April 10, 2004 1:54 PM
Subject: 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!?
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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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"incorp".
> > > > >
> > > >
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