Good Wednesday morning…. Thursday, Friday and Field Day to go….
Anyhow if you remember a few days back I made this posting… which was mentioning the liability issue for the Search and Rescue Groups in BC especially with the insurance side ot things. I had also questioned if that could happen to us as ARES/NTS volunteers…
After searching the RAC website I found the following page which seems to cover most of what I was asking….
To refresh your memory my question was:
“Could we as a volunteer amateur radio communicatior be liable for not responding, for not providing the service or even worse for making a mistake when relaying data…. When passing voice traffic sometime letters and numbers do seem to sound alike in a noisy environment… If somethng like this happens are we covered???”
Now when I asked that question I was hoping that someone at the RAC offices might have read the blog (as I know they have in the past) and sent an official comment but with it being summer and all perhaps not. However free for the asking is the answer from the website and I will give you the link needed to read up on the insurance issue. The link is here and once you read it over you should have few questions… If you do have any questions I suggest you contact the RAC Office or your regional director.
THE BIG THING IS THAT YOU HAVE TO BE A RAC MEMBER TO BE COVERED BY THE INSURANCE AND WHAT YOU ARE DOING HAS TO FIT IN THE GUIDLINES AS MENTIONED ON THE WEBPAGES. ONCE AGAIN IF YOU HAVE ANY DOUBTS/QUESTIONS PLEASE FOLLOW UP WITH THE PERSON LISTED AT THE BOTTOM OF THIS POSTING. I AM JUST POSTING THIS INFO AS A REFERENCE MATERIAL AND ANY SPECIFIC QUESTIONS SHOULD BE DIRECTED AT THE RAC CONSULTANT LISTED BELOW BEFORE YOU START YOUR ACTIVITY.
Quoting from the website address of http://www.rac.ca/en/rac/services/insurance/#Coverage comes the following:
Q. - What kind of activities are covered?
A. - The Application that RAC submitted for the policy listed all the “amateur radio activities” we could think of that might apply to RAC, its officials, members and registered RAC-affiliated clubs. These include support communications in public service events such as parades, rallies, races, etc; amateur radio displays at shopping malls, schools, arenas or municipal parks; amateur radio courses and examinations; Field Day, ARES and NTS real emergency and simulated emergency exercises, amateur radio repeaters on towers or buildings owned by others, etc.
Q. - I am a paid-up Full Member of Radio Amateurs of Canada. What must I do to obtain coverage?
A. - Nothing except to maintain your membership. As a RAC Member, you are already covered.
Q. - What is the coverage for Life Members, Associate Members, or Family Members?
A. - All of these membership classes are considered to be RAC members. Please note that a $20/yr RAC Family Membership must be paid for each family member you want to be included as a RAC Family Member.
Q. - My ARES group is covered by the county or municipality, as unpaid part-time employees, under Workers Compensation. Is that not all the coverage I need?
A. - Workers Compensation protects you against the cost of a personal injury while “on the job”quot;, usually only during a real emergency and not if you are injured in a simulated emergency drill or exercise. In contrast, this liability coverage protects you against a lawsuit to recover the costs that might be incurred by a party you might inadvertently injure and who claims compensation. This even extends to an error in a message you handle, or your failure to transmit or receive a message. The two types of insurance are not overlapping. They are complementary.
This liability insurance also protects you in dozens of other non-ARES amateur radio activities, as noted above.
And finally come the following:
Getting Further Answers
Q. - Who do I contact to get further answers?
A. - Please do not contact your Director, a RAC Executive, RAC Section official, the RAC office, or AXA, the insurer
First read the previous Q&A material. Other questions should be referred to :
Luc Leblanc, VE2DWE // <![CDATA[//
Luc is the insurance consultant who has kindly agreed to assist us. Of course he may have to refer some questions to the insurer, but at least he knows who to ask at the insurance company.
So there you have it… As far as we can trust the website…. As long as the website is kept updated…. but seriously…
From the info we have at hand we as communicatiors (not SAR TECHS) are covered for basic liability. For more info please follow the directions on the RAC Website.
And once again you have to be a member to be covered… Therefore you better sign up…. or keep renewing your membership…. I’ve said many time you get what you pay for and in this specific case if you don’t pay…