Search found 83 matches

by RussellCofIdaho
Sun Jul 01, 2018 9:20 am
Forum: Grand Scale Railroading
Topic: liability Insurance
Replies: 93
Views: 63333

Re: liability Insurance

Thanks Glenn!
by RussellCofIdaho
Thu Jun 21, 2018 8:14 am
Forum: Grand Scale Railroading
Topic: Woodinville Shops
Replies: 317
Views: 112929

Re: Woodinville Shops

Beautiful setup Glenn!
by RussellCofIdaho
Tue Jun 19, 2018 2:40 pm
Forum: Grand Scale Railroading
Topic: liability Insurance
Replies: 93
Views: 63333

Re: liability Insurance

Glenn Brooks wrote:
Tue Jun 19, 2018 11:05 am
Russell, I’ve talked to Merriman. Their agent is at a trade show and will be replying on Thursday.

Glenn
Great Glenn.

I sent you a PM...
by RussellCofIdaho
Tue Jun 19, 2018 10:57 am
Forum: Grand Scale Railroading
Topic: liability Insurance
Replies: 93
Views: 63333

Re: liability Insurance

Two insurance options have already been listed in this thread. One currently insures lots of railroad interests (museums, clubs, etc) and the other is trying to put together a program for live steam clubs. If you haven't already, I would suggest reaching out to those two first. Though I haven't tal...
by RussellCofIdaho
Mon Jun 18, 2018 5:42 pm
Forum: Grand Scale Railroading
Topic: liability Insurance
Replies: 93
Views: 63333

Re: liability Insurance

Thus far, response from insurer is frustratingly useless 'you need a minimum of 100 to start a pool and you wouldn't see a significant reduction in premiums for 5 years'!?! I think I will take the week and do some research into this before I proceed as a hasty, antagonistic response to him will be o...
by RussellCofIdaho
Fri Jun 15, 2018 5:31 pm
Forum: Grand Scale Railroading
Topic: liability Insurance
Replies: 93
Views: 63333

Re: liability Insurance

For excellent safety practice and extremely low risk, we can draw on affiliation with the more than 100 live steam clubs around the US that have developed exceptional safety inspection and operating guidelines. Also the live steam hobby has a very supberb safety record and extremely low risk profil...
by RussellCofIdaho
Fri Jun 15, 2018 12:50 pm
Forum: Grand Scale Railroading
Topic: liability Insurance
Replies: 93
Views: 63333

Re: liability Insurance

Here is what I wrote to one insurer and plan on sending to 3 others, any tips? I have been discussing this with several other railroaders and now have at least 5 interested in starting some kind of group. We are all over the US and each have different private operations but would having such a group...
by RussellCofIdaho
Thu Jun 14, 2018 10:34 pm
Forum: Grand Scale Railroading
Topic: liability Insurance
Replies: 93
Views: 63333

Re: liability Insurance

I replied earlier but it looks like it didn't take... Yes, excellent idea, group coverage usually lowers rates if there are few claims. Even if joining the group requires rigerous safety rules, I think that is totally manageable, I am used to FRA rules and except for the volumes of compliance paperw...
by RussellCofIdaho
Thu Jun 14, 2018 12:31 pm
Forum: Grand Scale Railroading
Topic: liability Insurance
Replies: 93
Views: 63333

Re: liability Insurance

Lets look at it another way.... My opinion on the risk level of riding a large scale train: From highest to lowest risk... Motocross-Dirt bikes Skiing/Snowboarding Riding Horses Quads River rafting/Kayaking Mountain biking Roller coaster ride Contact sports Boating Driving your car Kart Racing Hiki...
by RussellCofIdaho
Thu Jun 14, 2018 10:53 am
Forum: Grand Scale Railroading
Topic: liability Insurance
Replies: 93
Views: 63333

Re: liability Insurance

I'll ask this to those of you that have been in the hobby for a long time, how many injury accidents have you heard of or seen? The difference in how things run between the US and Canada is also very interesting. For instance, a go kart track opened up nearby in 2011 and has to have a very rigorous...
by RussellCofIdaho
Wed Jun 13, 2018 2:33 pm
Forum: Grand Scale Railroading
Topic: liability Insurance
Replies: 93
Views: 63333

Re: liability Insurance

Insurance companies have lots of data about cars, houses, businesses, but not a lot about miniature trains or Solo II. You talk miniature trains, he thinks you are running a rogue amusement park rides. You talk Solo II and he thinks you are bunch of NASCAR wannabes running into each other. If they ...
by RussellCofIdaho
Wed Jun 13, 2018 12:47 pm
Forum: Grand Scale Railroading
Topic: liability Insurance
Replies: 93
Views: 63333

Re: liability Insurance

As someone who was once an insurance attorney, the potential liability that the company would have to take on for three months would never justify the $750 premium that they could get from your club. Insurance claims are either nothing (because no one is injured) or a lot (because someone(s) is inj...