Thanks Bob!
In answer to your first question...Yes we are a bonified official 501c3. In fact, that was our main impetus for forming our own CO. We had a few missed fund-raising opportunities due to the lack of our own federal tax ID. It only takes once or twice to miss out on 4 digit checks to get one motivated.
We do not have our own facility, but have we do have permanent housing offered to us by a local church. I have never specifically asked them about the liability question, should something happen on site, but I will do so. I know they allow other outside groups to meet there and they also run an independent day care, so I imagine that they are covered for anything that happens on their property.
There is no coverage on our equipment, unless there would by chance be a clause related to the church we meet in. But then again, this if for a Dance Team, if there was a fire, items lost are not going to be simply re-purchased. We own no vehicles, nor at this time, do we intend to. We rely on personal vehicles for transportation.
Regarding leadership liability, I have been somewhat aware of this. To my knowledge, we aren't skirting any official policies. I know we do not currently have liability for the Board of our Chartered Org, but it is something we have discussed.
Esentially, the crew feeds the "membership" of the Chartered Org. The names listed as the BOD of the CO are all long time members of the group. Essentially each member of the CO is also an integral adult member of the crew.
Personal liability of the Board of the CO has been my biggest concern. I'm no lawyer, but would some sort of hold harmless agreement signed by members/gaurdians be of any use in this situation? I know that wouldn't provide a complete measure of security as those things can be circumvented, but really the extent of the risk we take with the members is traveling from meeting location to performance. We dont focus on other activities. With few exceptions, the vast majority of our members are active and are required to be primaried in their own units and then they hold a secondary registration with the Crew.
Other thoughts?