I host outings/retreats for my trade, am I covered?

During your outings/ retreats, you would be covered while providing your service/trade. However, during the off times where you are not providing your service/trade, you would not be covered (like during meal times, etc.). We recommend having your outing/retreat members sign a waiver of liability for their time during the event that holds you harmless if they get sick, hurt themselves, etc. during times that you are not providing your service/trade. You can also get separate event liability insurance if you feel you would like more protection.