Originally Posted by swatt13
Keep in mind about 3 or 4 years ago they changed 'limited liability' corporations so that directors can be sued now. After the stock market build up and melt down and scandles like ENRON, the laws were changed so that there is always someone at the end of the line to go after when things go wrong. And if its negligence, you can always be sued personally as well as through your employing entity. I own 50% of a limited liability company and we started carrying liability insurance 3 years ago, both corporate and directors (personal).
And here is the crux of the matter, and why to protect yourself you need to do things legit,
You need to incorporate, Insure, and make certain you have coverage for directors and officers.
It is all well and good to go into an endeavor with the "it will be alright, nothing will happen" approach.. but the fact is things do happen, every day to people who thought they had planned for all contingencies.. only to loose everything for the sake of saving a few bucks.
You can mitigate some of this risk with informed consent.. (waivers) it is true you can't waive your right to sue.. but the existance of a waiver goes a long way to eliminate the grounds for a legal complaint. That said you can still spend Thousands to get a case thrown out. At lease if you are insured, it will be the insurer who will pay that bill.
There is a real need in this community to leverage the total membership to acheive economy of scale in the solicitation of insurance and such. This is a role for an association to take on. Then players, field owners, game sponsors can operate without putting their entire future on the line every time there is a game.