Ministering to today's youth often involves a good deal of high adventure and high risk. Such activities as skiing, rappelling, rock climbing, or white-water rafting can draw young people to your church or ministry. But they quickly can result in serious injury or death if not carefully managed.
You can best manage the risk of vehicular accidents by using a charter bus service. While the cost may be higher than if you use your own or borrowed vehicles, the charter line's larger, safer vehicles and experienced drivers will greatly reduce the likelihood of an accident.
Here are some other factors to keep in mind:
The legal concept of negligence is difficult for uninsured participants to understand when they're faced with medical bills. They may believe that if their injury occurred during an activity sponsored by your ministry, then you are responsible for their medical expenses. This is not the legal basis for responsibility.
If you do everything a reasonable and prudent person can to protect participants, you should not be held liable for their financial expenses. The acknowledgment of risk and legal promise to hold you harmless reinforces the fact that participants and their families must accept the risk inherent in high-adventure activities.
Thank you for your interest in Brotherhood Mutual. We appreciate the opportunity to provide your church or other ministry with an insurance quote and will reply to your request as soon as possible.
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