Legal Question in Civil Litigation in Florida
I am an officer in a small Czezh/Slovak ethnic social club in southwest Florida.
We have club outings and affairs from time to time. Recently a club member signed an agreement for a ssmall hall in which to hold a club dinner. This agrement contained a "hold harmless" clause. This prompted a discussion among officers as to the need for our club to get expensive insurance that we can't afford. My question is, do we really need this kind of insurance to protect club membes or will their personal liability insurance be sufficient? Can you please give an opinion on this matter so we caan make a intelligent decision.
1 Answer from Attorneys
You really need someone to review your contract entirely. Shifting responsibility to another party sounds great, but unless you get all the insurance information to make sure you are really covered then the shifting may be of little value. It is always good to maintain your own insurance coverage so you have a defense to any actions whcih are brought. Seek some legal guidance so you can discuss the entire situation in some detail.
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