Bocephas,
Two issues.
First, yes I think that you’re misinterpreting your coverage. Personal Injury coverage that you’ll find as part of all general liability policies and most homeowners policies are not medical insurance as you’ve indicated. My guess is that you might have some type of accident/medical policy for participants that you’re putting the wrong name to. Or you’re assuming the wrong coverage for the term “personal injury” that you’ve read on your dec. sheet. Either way, as a betting man, I’d say we are dealing with some confusion. Now I insure several organizations such as that local Bobby Sox, Babe Ruth Baseball, Youth Soccer and others. Along with the Liability that includes “personal injury” or liable, slander and the like, we provide accident policies, just as we do for daycares, adult care homes, and drug rehab facilities. These are needed do cover medical losses to “regular occupants”. The reason for this is because GL and Homeowners liability policies have a med-pay that excludes “regulars” like residents, students or participants of an entity. This has nothing to do with their right to sue or the entity being legally liable. It’s more of a get out of lawsuit free ticket for guest or customers.
Second, Your assumption that liability follows some sort of priority list is incorrect. The President nor the other BOD members are any more liable concerning an issue than any other member. You’re confusing the Clubs duty to the safety and welfare of the public to the BODs responsibility to the members. The BOD is responsible to it’s membership, for miss management, not for the liability of the club. Let me give you an example. Let’s say that the BOD decided to spend your money on putting in a pool, in hopes of getting more member attendance at the range. Thinking that while dad is shooting mom and kids can be poolside so the family spends a day at the club. (I know dumb idea) They also make the decision that a lifeguard is too expensive, and opt to go without. Little Johnny (that dirty mouthed kid we’ve all heard about) drowns in the pool. The parents then sue the CLUB not the BOD for not only putting in the pool but for not having taken proper safety measures. When the dust settles the court awards 1.2 mil to the family and the club has just 1mil per occ. Depending on the State Law, the members could be held liable (equally) for an assessment. (check your personal HO policy you could have “loss assessment “ under the liab. Section. In any account the club is done, all the assets are sold the land is taken and there is nothing left. So now, how many shooters have life memberships? How many shooters, have invested time and money in that club that exist no more. Have the members suffered a financial loss because of miss-management? Yep! Can or will they sue the BOD for that loss (not the pool loss)? You can bet your &** they will. I sure hope they have D&O coverage. I hope you’re getting a better grasp on the exposures and coverage issues.