EDGE&TA Insurance

Frequently Asked Questions & Answers

Note: We are continually updating this section.


Click on the questions to be directed to the answer.

Table of Contents

1.      Does each Branch need to report all the events its members plan to attend?

2.      If individual EDGE&TA members go to a non-sponsored event should this be reported?

3.      If we take our Branch Owned People Mover to a non-sponsored event does it have to be reported?

4.      If a Branch sponsors an event are all EDGE&TA members covered at the event?

5.      Can a non-member join EDGETA at an event?

6.      How can members find out about other EDGE&TA events?

7.      Am I covered by the association insurance as soon as I leave home for an event?

8.      At an EDGE&TA Branch event must all exhibitors, demonstrators and participants be EDGE&TA members?

9.      Must all workers be EDGE&TA members?

10.  Are people movers and kids barrel rides covered on the association policy?

11.  Our branch has a barrel train, tractor pull sled,  and people mover that meets all EDGETA safety requirements.  We are getting more and more requests from area events for us to bring one of these  to a non EDGETA event.  Our question is the operation of the barrel train, tractor pull sled,  and people mover covered by our liability insurance at these non EDGETA events?

12.  If an EDGETA branch holds a tractor pull at a non-sponsored event, what do we do?

13.  If a Branch member attends another show as a spectator, does the insurance cover him as an EDGE&TA member or as a spectator?

14.  Other groups like auto or tractor clubs are often invited to enhance our events. Do they need to be EDGE&TA members?

15. Do food, craft, art and other vendors need to be EDGE&TA members?

16.  We have an event location at which the owner has requested a copy of our liability insurance. What do we do?

17.  We have been asked to provide an Additional Insured Certificate of insurance adding the landowner as an additional named insured. What do we do?

18.  Does our insurance cover Canadian branches or members?

19.  Does our Insurance cover anything involved with animals?

20.  When EDGETA members go to a non-sponsored event, do they have EDGETA insurance coverage?  

21.  What exactly are the triggers for coverage?

22.  Is a group tractor drive considered an event?

23.  If a non-member organizes a tractor ride for a group of friends, including some Branch members, are the EDGETA members covered?

24.  In an instance where our Branch is sponsoring tractor and engine exhibits and a tractor pull under the auspices of a larger organization. This organization also has a carnival, vendors, entertainment, etc. can we waive our insurance requirements if the larger organization says certain exhibits (engines, for example) are covered under their blanket liability policy? 

25.  We can “what if” things to death but are concerned about the increase in tractor drives where members may be the organizer or just a participant.  Basically, are there instances where the member is not covered?

26.  I have a question about the tractor pull we hold at our show every year, if a puller is not a member but signs up at the time of the pull are they covered by insurance? Then what if the funds and membership are not sent in until much later if at all for the pullers who signed up at the time of the event?

27.  Does EDGETA insurance cover a member while riding in his golf cart?

28.  Are people who help with tractor pulls considered volunteers?  

29.  Does EDGETA insurance cover a Petting Zoo?

30. Can I sign up vendors that sell food, art and crafts, flea market articles, etc. at our event as members of EDGETA to get insurance coverage?

31. Why do we need to include the EDGETA Branch Number on our club name?

 

 


  1. Does each Branch need to report all the events its members plan to attend?

     No. With the new insurance carrier that EDGETA went to in April 2008, you are no longer required to report your events to have insurance coverage.  However your EDGETA Board of Directors strongly recommends that you continue to report your events via the EDGETA website, www.edgeta.org.  (You will notice that we have eliminated the number of spectator’s requirement, it is no longer necessary.)  When you report your events, our web master places your event on the Branch Events Calendar on the web site, this gives you free advertising for those other branches that may have members who may want to attend.  Check on the calendar frequently, it is amazing how many events our branches have during the year.  Reporting your events also allows the EDGETA Board of Directors to keep track of events, to get a better feel of the pulse of the organization.     Try to be more elaborate with the name of the EDGETA sponsored event.   This will help other branches to better understand what your event is.

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  1. If individual EDGE&TA members go to a non-sponsored event should this be reported?

No. Every EDGE&TA member has Liability Insurance anywhere they go. They must follow the EDGE&TA Safety requirement if they expect coverage.

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      3.  If we take our Branch Owned People Mover to a non-sponsored event does
           this have to be reported?

No, you no longer need to report it as an Event.

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     4.  If a Branch sponsors an event are all EDGE&TA members covered at
     the event?

Yes, all EDGE&TA members are covered at your sponsored event. 

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5.   Can a non-member join EDGETA at an event?

Yes. All Branch sponsored events should have a person designated to take membership applications and issue membership cards. Non-members may join EDGE&TA prior to or at the event and have coverage that day.  They become EDGETA members when your membership person takes their money and hands them a yellow EDGETA membership card with a sticker showing the year it expires.  It is the responsibility of the membership person to report the new members to the National EDGETA secretary/treasurer within 30 days. 

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  1. How can members find out about other EDGETA events?

By checking the EDGE&TA Branch Event Calendar on our web pages and then contacting the Branch officers for additional information.

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  1. Am I covered by the association insurance as soon as I leave home for an event?

Your coverage starts as soon as your equipment touches the ground at the event when you haul your equipment to the event. This is for liability coverage only. It does not cover damage to your equipment or if you damage another member’s equipment. Keep in mind the liability coverage is for other people and their property. Be certain your personal insurance matters are in order. The association policy is not a substitute or replacement for your personal insurance policies. There is no coverage for bodily injury or property damage to you or your possessions. Note: Your vehicle insurance should cover you while hauling your exhibit to and from the show for liability coverage. Including loading and unloading. You need to check with your insurance company to make sure you have liability coverage on a towed vehicle.

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  1. At an EDGE&TA Branch event must all exhibitors, demonstrators and participants be EDGE&TA members?

Yes, all exhibitors, demonstrators and participants must be EDGE&TA members.

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  1. Must all workers be EDGE&TA members?

No. It is permissible for a non-EDGE&TA member volunteer to help out with club product sales (selling pie, cookies, ice cream, meals, beverages, etc. at the food court, selling caps and T-shirts), collecting admissions and memberships, registering exhibitors, assisting exhibitors or assisting a branch at an event with the gate, cleanup and parking assistance. They may not exhibit or perform the functions of a member exhibitor or drive or operate equipment of any kind. This means that non-EDGETA member volunteers and spectators are not allowed to help with tractor pull sleds, driving or demonstrating tractors, operating forklifts, help with a stationary engine display, drive Gold Carts, ATVs, etc. Volunteers have the same insurance coverage as Branch members. If they do something to cause injury to a spectator or his property for example, our insurance will defend the volunteer. If the volunteer and another member injure one another they are not covered, just like any other two EDGE&TA members.

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  1. Are people movers and kids barrel rides covered on the association policy?

Yes, EDGETA approved people movers and kids barrel rides are both covered at no additional charge when used at EDGETA events. See the list of requirements for people movers and barrel rides on the web page.
Revised: 3-28-2014

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  1. Our branch has a barrel train, tractor pull sled, and people mover that meets all EDGETA safety requirements. We are getting more and more requests from area events for us to bring one of these to a non EDGETA event. Our question is the operation of the barrel train, tractor pull sled, and people mover covered by our liability insurance at these non EDGETA events?

Our EDGETA insurance covers barrel trains, tractor pull sleds, and people movers when used at EDGETA events.  However, due to the increased exposure outside of an EDGETA event, we are not able to cover either of these when used at non-EDGETA events such as local community parades, festivals, fairs, etc.  When you receive a request or want to take either of these to a non-EDGETA event, you should ask the sponsoring organization to add your EDGETA branch number to their insurance as an additional insured for at least $1,000,000 liability for bodily injury & property damage.  Ask for a copy of the certificate of insurance showing your branch number has been added.  After receiving that insurance certificate, you can take your barrel train and/or people mover to that event and you are covered by their insurance.  Your branch needs to follow the safety requirements at their event just like you do at your EDGETA events.
Revised: 3-28-2014

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  1. If an EDGETA branch holds a tractor pull at a non-sponsored event, what do we do?

If the non-EDGETA event does not have insurance coverage for the pull, your EDGETA insurance can provide coverage for the pull. Your Branch is now sponsoring the pull. Remember that for any part of a show/event covered under the EDGETA insurance, all of the participants/pullers in that event must be EDGETA members and follow the safety requirements to have insurance coverage.
Revised: 3-28-2014

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  1. If a Branch member attends another show as a spectator, does the insurance cover him as an EDGE&TA member or as a spectator?

As long as the EDGE&TA member is a spectator, he is considered a spectator by our insurance. If he decides to help the Branch with any of their exhibits or assumes the role of a volunteer at that show, he is considered an EDGE&TA member by the insurance.
Revised:3-28-2014

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  1. Other groups like auto or tractor clubs are often invited to enhance our events. Do they need to be EDGE&TA members?

To have coverage under the EDGETA policy, Yes. To participate, No, but they must provide a certificate of insurance to the sponsoring Branch naming the sponsoring Branch and EDGETA as additional named insured prior to the event. While participating at an EDGETA event, these clubs must follow all EDGETA requirements. They cannot add us onto their policy as Additional Insured and use their policy to override any of the EDGETA requirements.
Revised: 3-28-2014

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  1. Do food, craft, art and other vendors need to be EDGE&TA members?

No. EDGETA insurance no longer covers these vendors. However, they must provide a certificate of insurance naming the Branch and EDGE&TA as additional named insureds. This is especially important for food vendors. In no case does the EDGE&TA insurance policy provide general liability coverage for the products sold/traded. This paperwork is the responsibility of the sponsoring Branch and should be maintained in the Branch records. (See "EDGETA Vendor/Craftsperson's Booth Application")
Revised: 1-12-2010

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  1. We have an event location at which the owner has requested a copy of our liability insurance. What do we do?

You must request a "Proof of Insurance Certificate" from the Insurance Company by filling out the form on the EDGE&TA web Site under "Required Forms" or under “Insurance Info”. The "Proof of Insurance Certificate" will be sent directly to the requesting party.

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  1. We have been asked to provide an Additional Insured Certificate of insurance adding the landowner as an additional named insured. What do we do?

Submit a Request for an "Additional Insured Certificate" 30 days prior to the date the certificate is needed by the landowner. (See Additional Insured Certificate of Insurance on the web page, under “Required Forms” or under “Insurance Info”.) The "Additional Insured Certificate" will be sent directly to the requesting party.

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  1. Does our insurance cover Canadian branches or members?

We are no longer able to insure Canadian members when attending their events in Canada. Our insurance will cover Canadian members in the US when they attend and participate in the events in the US, but not in Canada.

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  1. Does our Insurance cover anything involved with animals?

NO. The carrier does not cover anything pulled by horses, or that involves horses or other animals that might be used to pull carts, wagons, carriages, etc. This includes saddle horses and other animals that are ridden.  However if you are exhibiting horse drawn machinery or implements as a static display, without the horses or mules, you have EDGETA insurance coverage for your exhibit.

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20.  When EDGETA members go to a non-sponsored event, do they have EDGETA insurance coverage?     

 

     Yes, they have coverage by the EDGETA insurance.

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  1. What exactly are the triggers for coverage?

Members are afforded insurance anywhere they go provided they follow EDGE&TA Safety requirements.  EDGETA members should take their yellow EDGETA membership card with them to be able to show proof of insurance. 

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  1. Is a group tractor drive considered an event?

Yes it is an event.

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  1. If a non-member organizes a tractor ride for a group of friends, including some Branch members, are the group members covered?

Yes. The EDGETA members are covered, it is the same as an EDGETA member attending a non EDGETA event; they are covered by EDGETA insurance as long as they follow the EDGETA safety requirements. 

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  1. In an instance where our Branch is sponsoring tractor and engine exhibits and a tractor pull under the auspices of a larger organization, which also has a carnival, vendors, entertainment, etc., can we waive our insurance requirements if the larger organization says certain exhibits (engines, for example) are covered under their blanket liability policy? 

The key word is that you are sponsoring the exhibit etc, along with another organization.  You need to adhere to the EDGETA safety requirements.  If the other organization alone sponsors the event and you are asked to participate, you must follow EDGETA safety requirements to have EDGETA insurance coverage. 

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  1. We can “what if” things to death but are concerned about the increase in tractor drives where members may be the organizer or just a participant.

      Basically, are there instances where the member is not covered?

If a member attends a non sponsored event and does not follow the EDGETA safety requirements, the member does not have coverage. 

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  1. I have a question about the tractor pull we hold at our show every year.  If a puller is not a member but signs up at the time of the pull are they covered by insurance? Then what if the funds and membership are not sent in until much later if at all for the pullers who signed up at the time of the event?

At the time you sign up a new member, give him an EDGETA membership card, and take his dues he is a full fledged member. He is covered by the insurance at that time. The EDGETA bylaws state that new member dues and insurance premiums are due and payable to the National Secretary/treasurer by each branch within 30 days of such a member joining a branch. If the funds are not being sent to the National secretary/treasurer, the member is not covered. We rely on the honesty of each branch to make that happen. If it is not happening they are doing a disservice to the new member (because he thinks he is covered), and may be jeopardizing their existence as a branch of EDGETA.

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  1. Does EDGETA insurance cover a member while riding in his golf cart?

No, our insurance does not cover golf carts, ATV's, 4 wheelers, Tote Goats, scooters, or like vehicles. Members are encouraged to contact their auto or homeowners insurance agent and obtain personal insurance to cover these vehicles.

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  1. Are people who help with tractor pulls considered volunteers?  

Spouses of members who help with tractors or scales must be members.  Scorekeepers should also be members; it is pushing it to consider them volunteers. Those that just provide moral support can come under the volunteer category and do not need to be members.

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  1. Does EDGETA insurance cover a Petting Zoo?  

No

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  1. Can I sign up vendors that sell food, art and crafts, flea market articles, etc. at our event as members of EDGETA to get insurance coverage?  

No.  EDGETA insurance no longer covers these vendors.  We can no longer sign them up as members of the branch to get coverage for them.  EDGETA insurance   will cover the branches for an incident involving the vendors, but again will not cover the vendors.  Branches need to be more insistent to get a certificate of insurance from these vendors.  This is especially important and a requirement for food vendors.   In no case does the EDGE&TA insurance policy provide general liability coverage for the products sold/traded. 

Update: June 19, 2010

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  1. Why do we need to include the EDGETA Branch Number on our club name?  

All Branches should conduct activities under the Branch name. We insure Early Day Gas Engine & Tractor Association and its Branches. Other club names are not covered. If you expect to have coverage for a branch function you will need to add "EDGETA Branch XYZ" to your club name.

All EDGETA members have coverage anywhere they go if they follow the EDGETA requirements. But a branch sponsored event doesn't have coverage unless they include "EDGETA Branch XYZ" in their name. "Tired Iron of the Ozarks" doesn't have coverage. "Tired Iron of the Ozarks, EDGETA Branch 37" does have coverage.

Revised 12-18-13

 


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