Ow sanctions beyond 2013

Perhaps a questionnaire for potential directors could be prepared for that purpose: Body of water: Lake, Ocean, River, Other________ Vessels present:Non-motorized only, Recreational, Commercial and Recreational Quality: Fresh, Salt, Brackish Currents: Steady, Tidal, Wind Driven, None Max Current Speed Assist:_____mph Max current Speed Adverse:____mph Course: Loop, Multiple Loop, Out and Back, Point to Point Start: Water Standing, Water Treading, Beach (sandy), Beach (rocky), Etc Finish: In water, Beach, Dock (ladder), Etc Exit (if other than finish): Safety Vessels: Non-motorized only, Motorized and non-motorized, Motorized only Nearest Emergency Medical Facilities:_______minutes away etc, etc. This is a great idea & a great start, as is the safety plan template. As someone that works for an insurer, the more clean-cut & formulaic you can make the information, the more category-friendly the risk calculations become. If you can stratify the actual risk/probability across categories the insurers will be able to more accurately project the risk being undertaken on a policy. It is relatively easy to place a value with a risk quotient to any race - X person = $X. The only things that change (& likewise that can be controlled) are the probabilities of an incident occuring that would lead to a loss. From there it's a matter of entry fees covering the costs. Higher risk events should have a higher entry fee. This should be understandable & they are most likely the higher cost to produce as well. Not that it's preferable by any means, but I would encourage RDs & USMS/LMSC to shop the insurance coverage for an event at any given opportunity. That, ultimately, may be an answer to the problem. In our litigous world with dubious definitions of "accountability," things are not getting easier.

Perhaps a questionnaire for potential directors could be prepared for that purpose: Body of water: Lake, Ocean, River, Other________ Vessels present:Non-motorized only, Recreational, Commercial and Recreational Quality: Fresh, Salt, Brackish Currents: Steady, Tidal, Wind Driven, None Max Current Speed Assist:_____mph Max current Speed Adverse:____mph Course: Loop, Multiple Loop, Out and Back, Point to Point Start: Water Standing, Water Treading, Beach (sandy), Beach (rocky), Etc Finish: In water, Beach, Dock (ladder), Etc Exit (if other than finish): Safety Vessels: Non-motorized only, Motorized and non-motorized, Motorized only Nearest Emergency Medical Facilities:_______minutes away etc, etc. This is a great idea & a great start, as is the safety plan template. As someone that works for an insurer, the more clean-cut & formulaic you can make the information, the more category-friendly the risk calculations become. If you can stratify the actual risk/probability across categories the insurers will be able to more accurately project the risk being undertaken on a policy. It is relatively easy to place a value with a risk quotient to any race - X person = $X. The only things that change (& likewise that can be controlled) are the probabilities of an incident occuring that would lead to a loss. From there it's a matter of entry fees covering the costs. Higher risk events should have a higher entry fee. This should be understandable & they are most likely the higher cost to produce as well. Not that it's preferable by any means, but I would encourage RDs & USMS/LMSC to shop the insurance coverage for an event at any given opportunity. That, ultimately, may be an answer to the problem. In our litigous world with dubious definitions of "accountability," things are not getting easier.