National Insurance Policy Frequently Asked Questions
You no longer need to report your branch sponsored events to the National 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. When you report your branch events, our webmaster 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 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. Be sure to include your EDGETA branch number in all of your advertising. For EDGETA branch non-sponsored events, the event must be have written documentation prior to the event in the branch files listing it as an EDGETA activity to have coverage. See FAQ #18 for more details.
Yes, all EDGE&TA members are covered at your sponsored 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.
By checking the EDGE&TA Branch Event Calendar on our web pages and then contacting the Branch officers for additional information.
Your EDGETA insurance coverage starts as soon as your equipment touches the ground at the event when you haul your equipment to the event. Then you have EDGETA liability coverage and participant liability coverage. 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. EDGETA insurance does not cover you while driving your tractor from your home to and from the event.
- 6) 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.
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-EDGE&TA 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 Golf Carts, A TVs, 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. With our participant liability insurance coverage, if the volunteer and another member injure one another they are covered, just like any other two EDGE&TA members.
Volunteers do not have to be listed.
Revised: April 15, 2019
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.
- 9) 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.
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. Remember to document it as an EDGETA activity.
- 11) 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.
- 12) 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, they must to be EDGETA members. To participate, No, but they must provide a certificate of insurance to the sponsoring Branch naming the sponsoring EDGETA Branch number ___ 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.
No. EDGETA insurance no longer covers these vendors. However, they must provide a certificate of insurance naming the EDGETA Branch number ____ 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”)
- 14) 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.
- 15) 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.
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.
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.
Yes, if the branch approves it as a branch activity and it is noted as such in the branch minutes prior to the event. It can also be approved by the branch president or safety officer using the form on the website, or a phone call to the branch president or safety officer. The approval of the activity must be documented prior to the event. Once the branch approves the non-sponsored event it is approved for all members and for other branches as well. However, each branch is encouraged to approve it separately to be sure it is approved.
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.
Yes, it is an considered a Branch EDGETA event. But prior to the tractor drive the minutes of a Branch meeting must show that it was discussed and approved by the membership to be covered by our EDGETA insurance. If it is organized by a non-member, it must be approved by the Branch as a Branch activity for Branch members to have EDGETA insurance coverage. See FAQ #18.
- 21) 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?
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.
For the area that your branch occupies you need to have the larger organization sign an Addendum to Lease Agreement which specifies the area that you occupy and are responsible for your EDGETA activity.
- 22) 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 organized by a Branch member and the tractor drive is not approved as a Branch activity in a Branch meeting prior to the event, the members do not have coverage. If it is organized by a non EDGETA member, and the tractor drive is not approved as a Branch activity prior to the event, the Branch member does not have coverage. See FAQ #18.
- 23) 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 with the current insurance year sticker, 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.
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 home owners insurance agent and obtain personal insurance to cover these vehicles.
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.
- 27) 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.
All Branches need to conduct activities using their Branch number. We are insured as Early Day Gas Engine & Tractor Association and its Branches. Other club names are not covered. For your branch to have coverage for a branch function you need to add your “EDGETA Branch number” in all public advertising, publications, checkbook, etc. Then if a claim is filed against your branch, it will be filed listing your branch number. A branch that may have an insurance claim brought against it will find the claim denied by our insurance carrier if it does not include your “EDGETA Branch number”. For example, “Tired Iron of the Ozarks” doesn’t have coverage as it is not recognized by our insurance carriers. “Tired Iron of the Ozarks, EDGETA Branch 37” does have coverage.
- 29) When our branch designates a local community parade (or other non EDGETA event) as an EDGETA activity and our members participate, what insurance coverage do we have?
You have the same coverage that you would have if you were participating in an EDGETA branch parade. You are covered for an incident involving a parade spectator for bodily injury and property damage. You do have participant liability coverage involving an incident with a non EDGETA parade participant such as person operating another parade exhibit. It is the same as when you participate in an EDGETA branch parade. You do have participant liability coverage involving an incident with another branch member, who is also participating in the parade. Similarly, in the case of a non EDGETA event, you do have participant liability coverage for an incident involving a non EDGETA member who is also participating in that event.
Revised: April 15, 2019
Participant liability insurance provides coverage for a branch member and the branch for an incident involving an accident or incident between branch members at an EDGETA show/activity. If a branch member runs into a fellow member’s tractor for example and damages it, or inflicts injury upon another member due to an accident, our participant liability insurance will cover it. Also, if a branch member is participating in a community parade, (that has been designated as an EDGETA activity) and there is an incident that results in
damaging a non-member’s equipment or injures a non EDGETA member, our participant liability insurance will cover it.
Revised: April 15, 2019