Palmetto Partisan Rangers

We have one the best insurance plans

The Palmetto Partisan Rangers has purchased a $1,000,000 liability policy for all members whenever they attend any club events including reenactments, practices, meetings, living histories and memorial services. You name it, if it has to do with reenacting and you are representing the Palmetto Partisan Rangers, our policy will be in effect.

We have our insurance with Yates Insurance, Inc. They are an A rated carrier with over 60 years of experience. This policy follows the Palmetto Partisan Rangers anywhere we go in the united States, its territories and possessions. Heck, it will even cover us in the Confederate States of America!

Folks this is a great policy with no member to member exclusions and there are no other membership requirements. Our policy even has a $5,000 medical expense coverage, with bodily and personal injury liability coverage. It also has property damage and advertising liability coverage. Please bear in mind that all claims are reviewed by a claims adjuster on a case by case basis.

Below are the most frequently asked questions. If you still have questions contact us and we will get the answer for you.

Q1 Where does this insurance cover me?

A1 This policy will follow you wherever you go within the United States as long as it is considered a club activity.

Q2 Does my coverage start when I leave home or when I arrive at the event?

A2 When you arrive

Q3 At what age is a member allowed to participate?

A3 No age restrictions

Q4 What is considered a club event?

A4 Anything the club does – practice, event participation, etc. that is considered a club activity.

Q5 Am I covered while I am riding my horse?

A5 Riders of saddled animal are EXCLUDED

Q6 Am I covered if my horse injures a spectator?

A6 Yes

Q7 Am I covered if my horse injures another reenactor?

A7 Yes

Q8 Can we carry knives on the field?

A8 If the knife is considered part of the uniform and is not drawn.

Q9 Does this policy cover items stolen from members?

A9 The policy has a theft exclusion unless the club decides to purchase equipment coverage.

Q10 What happens if my horse injures another horse?

A10 Horses are not covered.

Q11 At what time does my coverage end (when I leave the event or when I arrive home)?

A11 When leaving the event.

Q12 Do we have coverage from a campfire that gets out of control?

A12 Yes, there is a $100,000 “damage to premises rented to you limit” built into the policy.

Q13 Will I be covered if the club decides to go to an event and I am the only one that shows up?

A13 Yes

Q14 When I join the club how long does it take for my insurance to take effect?

A14 Immediately

Q15 Are all club authorized events covered?

A15 Yes

Q16 Can any club practice be considered an authorized event?

A16 Yes

Q17 Can part of the club go to one event and the rest go to another event and both groups be covered?

A17 Yes

Q18 Does the insurance company provide a lawyer in case of a law suit?

A18 Yes

Q19 Does the medical coverage cover things like heat stoke or just physical injuries for the members?

A19 The policy has a no-fault $5,000 medical coverage built into it.

Q20 In the event of an accident who's insurance would I file against? Ours or the event sponsors?

A20 If the club’s members or spectators were injured at an event then the event sponsor would be responsible. If your club member caused the injury to a spectator or another member then your club would be responsible.

Q21 If we use sabers on the field are we covered?

A21 Sabers can be drawn and used.

These questions and anwsers have been read and approved as true and correct by the Yates Insurance, Inc. in the year of our Lord 15 January 2009