[Education] Fwd: Garden Liability Insurance

[Lorraine Kells]

Forwarding this

As you all may well know, access to water is a serious concern for our
community gardeners. An earlier email gave you information about the new
water hydrant policy and a petition put forward by AUA that we signed on.

Many felt we should advocate for ourselves as community gardeners. May Toy
has volunteered to act as an advocate for us with the city. This thread
will be open to hearing from you.

We do need to address this as an organization with possibly a zoom meeting
or an in person meeting.

What do you say?

---------- Forwarded message ---------
From: M Toy <mtoy.usa at gmail.com>
Date: Sat, Jul 25, 2020, 3:18 AM
Subject: Garden Liability Insurance
To: € CCGA / Resources committee email <
resources at chicagocommunitygardens.org>, Lorraine Kells <lxkells at gmail.com>,
Amy Olson <akeo at me.com>, Ellen Newcomer <ecnewcomer334 at gmail.com>, Mamie
Gray <mamiegray2012 at gmail.com>, Patricia Hart <patahart45 at gmail.com>


Hi all,

In speaking with Breanne today, I mentioned that the Garden Clubs of
Illinois provides liability insurance for its member clubs which covers any
events or activities that the garden club may conduct.  The only problem is
that GCI now charges $50 admin cost + $75 per additional insured per
Certificate of Insurance (COI) needed.  This is on top of the membership
dues.

Breanne mentioned that CCGA wanted to increase it's membership and thinks
that providing liability insurance to community gardens to access the fire
hydrants would be a valuable perk.

At this point, we don't know how many community gardens would need this
liability insurance but per Breanne there are a lot of non-Neighborspace
community gardens who sit on private, church or other governmental land
that uses fire hydrants.  As community gardens become more popular, the
need will only go up.

Is this something CCGA resources or CCGA as a whole would like to
consider?  If so, I can get quotes for this type of coverage.  We can
spread the cost of the insurance back to the community gardens who need
it.  The cost will then be much lower than each garden getting their own
policy.

I think the water permit cost itself is not a problem since it only
increased by $10  but I could be wrong.   For us to help community gardens
we need to address the three main barriers in the current water policy:

1) Cost of the RPZ
2) Cost of the Inspections
3) Liability Insurance

Thanks.
May

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