Our orchestra has been rehearsing weekly at a church for decades. The church has never charged us for this privilege (although we do give them a small token of appreciation at the end of each year), and overall the this church has been very good to us in numerous ways.
We are not the only organization that the church allows to use their facitlity. The Boy Scouts also meet there, and there may be others. Recently the church told us that their insurance company is telling them that they have to get groups that use the church to get liability insurance, and that includes us.
Our orchestra is small (about 20 regulars), with a small budget. While we don't have any quotes yet, this may become the biggest item in our budget. We've been in existence since 1923, and as far as anyone knows, we've never needed insurance or been sued (and some of our members have been with the orchestra for, oh, maybe 40 years, so we have some instutional memory).
It seems like we have a million questions about all this, a few of which are: do any other orchestras have insurance? How much do you pay? From which companies should we look? Can we get a policy that just covers us for activities at the church? Appreciate any advice. bb
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