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Old January 21st, 2015, 05:26   #13
Can I ask you a serious question? How much sand can you fit in your vagina?
Ricochet's Avatar
Join Date: Feb 2008
Location: North Delta, BC (Greater Vancouver)
Insurance is a tricky bit, especially when it comes to airsoft. Here's what you need to know; lack of insurance can cause all kinds of issues. When you are responsible for the people playing, either because you are a property owner or business owner, or you are just running the show, insurance is a must. First of all your players must be made aware of all of the reasonable risks they'll face, such as projectiles, weather, wildlife and terrain, etc. Next you need to reasonably mitigate any serious dangers; this is where it gets tricky. Let's say the area you're in is known for grizzly attacks, or perhaps has hidden holes a person could fall in, etc, well insurance may not count for much unless they are clearly marked or mitigated. What about darkness? Playing at night can take a regular hazard, such as a cliff, and make it exponentially more dangerous. There is always accountability wether people know it or not. In Canada, you can't actually sign your rights away, so to speak. Let me explain; you go to a ski hill and go outside of a clearly marked out of bounds area, it's your fault, you fall over going down a clearly marked run and break your leg, it's considered an associative risk. But let's say you get hit by lightning, likely will be deemed as an act of God. However, if you get injured because the chair lift malfunctions, or they leave unsafe runs open, etc, well their waiver won't mean shit. Also, if you are blatantly to blame, then insurance likely won't cover you whatsoever, wether you paid for it or not. It's kind of like a bank giving you a loan, there's a risk assessment, and they only take so much responsibility. By the way, a waiver you make up without insurance backing it is useless, may as well wipe your ass with it. There is no legal way to absolve oneself from accountability just because people are stupid enough to sign a bullshit piece of paper. Waivers in many cases are just formalities, and as mentioned above, more of a deterant to legal action than anything.

Game/event hosts: They'll have insurance tailored to their event, and certain restrictions to go along with it.

Field owners: They always have insurance, and as a business they'll have a wide range of coverages to protect themselves.

Teams: some teams may have a private field, and are all adults (18+). So no one profits and everyone is at equal risk, so it would be hard to sue depending on the situation. Maybe the organizer or land owner depending on the injury, but it'd be unlikely.

One major thing to consider is minors. They can't be legally held liable for their actions in most cases, and cannot be put at needless risk by anyone but their guardians; more or less anyways. If you are just hosting a game, a private team or a business, and you airsoft with minors, you will need insurance, lest you get financially and criminally annihilated if something happens.

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