Jan/Feb 2008 - KWVA - Korean War Veterans Association

Insurance and the KWVA
Hank Butler, Commander of Chapter 192, Citrus County
{FL] asked Lee Dauster recently about insurance policies.
Lee responded with information that might be helpful to other
Chapters, Here is the exchange.
What types of insurance policies are required by the
KWVA National?
Does the National have liability insurance to cover members
attending meetings, fund raisers, etc.? Which members
does it cover?
We have a problem in our part of Florida conducting fund
raisers (Rose of Sharon) in some shopping centers because of
a requirement of one to three million dollars liability insurance.
Will the National ever purchase a blanket liability policy
to cover all of its members? If so, it would certainly boost
membership in the National.
Thanks in advance for your timely response.
Hank Butler, Commander CID 192
To All KWVA Members:
The request from Hank Butler, Commander of CID 192,
represents the dilemma of the KWVA chapter that wants to
engage in charitable activities. Many KWVA Chapters find
themselves stymied due to the limits imposed on KWVA
chapters that cannot produce a copy of a General Liability
Insurance policy.
In many areas of the country, selling hot dogs at the county
fair, asking for Rose of Sharon donations, or even Chapter
participation in city or county functions, is prohibited without
evidence of KWVA Chapter Liability Insurance.
All KWVA Chapters have been advised to obtain liability
insurance; many have done so. National KWVA does not—
and cannot—provide blanket insurance coverage. Others
indicate they have not found an insurance agent with a market
that will write the coverage.
Due largely to the manner in which the Korean War
Veterans Association was originally formulated and incorporated,
a blanket Liability Insurance policy will not be underwritten
by an insurance company. For example: KWVA cannot
restrict, dictate, regulate, or control the activities of an
individual Chapter. (This reasoning was related to me by a
carrier that insures a major veteran group.)
The Auto-Owners Insurance Group is a company with five
subsidiaries and headquarters at Lansing, Michigan.
Currently, Auto Owners operates in 25 of our 50 states.
This company writes General Liability. Our Prescott,
Arizona Chapter recently purchased General Liability insurance
at a $1,000,000 limit. The cost was nominal—less than
$400 annually.
Here is a list of areas of the country in which Auto-Owners
currently is licensed to do business. Full service offices are
found in Lansing MI; Traverse City MI; Montgomery, AL;
Mesa, AZ; Westminster, CO; Lakeland, FL; Tallahassee, FL;
BUSINESS
Duluth, GA; West Des Moines, IA; Marion, IN; Peoria, IL;
Lexington, KY; White Bear Lake, MN; Columbia, MO;
Charlotte, NC; Fargo, ND; Lima, OH; Columbia, SC;
Brentwood, TN; and Appleton, WI.
The company operates in a total of 25 states, with hundreds
of agents throughout those states. Agents are found in
additional states and districts. For interested members in
those areas listed, and to find Auto-Owners agents in other
areas, use your computer, or have a friend go to:
Auto-Owners.com
Click on FIND AN AGENCY
Search by zip code
This info only assists those in the states mentioned, and
there is no guarantee they will write coverage for your group.
Each organization is separately underwritten. If your Chapter
sells liquor (for example), it may not be approved.
KWVA Chapters that have found insurance in areas other
than those mentioned should share the name of the company
with me. We need the name of the company, your state, zip,
and your agent’s name and phone number.
When the House of Representatives votes favorably on our
KWVA Charter issue, it will become mandatory for a Chapter
to be insured. Start now to find an insurance carrier that
writes General Liability for veterans chapters/posts.
Lee Dauster
KWVA Insurance Chairman
2007-2010
Wrong Chapter Name Used
Short
Rounds
In the Sept/Oct 2007 issue of The Graybeards we inadvertently
used the wrong Chapter name for CID 299 (p. 44). The Chapter’s
official name is Korea Veterans of America.
45th Inf. Div. Museum
On p. 53 of the Nov/Dec 2007 issue we printed some erroneous
information regarding Co. B, 180th Regt., 45th Inf. Div. The original
wording suggested that the regiment donated the bench. That is
incorrect. It was actually donated by “B Co., 180th Inf. Regt., 45th
Inf. Div.
As Correspondent George Bray reported to us, the donors included:
Lillard Berry, Leon Branscum, Arthur Elliott, Lynn Fry, Tommie
Guinn, Kenneth Head, Kenneth Inman, Jesse Irby, Danny Khoury, Bill
Odell, Bill Rains, Charles Todd, Percy Townsend, and Carmen Watts.
We thank George Bray, 212 Fremont Street, West Branch, MI
48661 for setting the record straight.
17
The Graybeards January-February 2008