Senator and Old Shooter are correct that unpaid volunteer activities are covered under almost all homeowners and umbrella policies.
How collectible are you? I am under the impression that most retirement assets are exempt. Should understand this before purchasing an umbrella policy.
While it's broadly accurate that pension benefits and similar income are generally exempt from garnishment, that protection usually does not extend to real property and liquid assets (stocks, bonds, etc.) held outside a registered retirement account.
This issue depends upon the legislation of the particular jurisdiction, so anyone who intends to rely upon it would do well to consult a local lawyer.
The range has liability insurance. I am sure it covers you.
Are you? I'm not.
The range's policy might or might not cover individual range officers. And for that matter, the policy might not even be current: maybe the range is strapped for cash, or perhaps the bookkeeper simply forgot to pay the premium when the last renewal came around.
Unless and until the policy is produced, it would be imprudent to assume anything. SheitlQueen's enquires are not unreasonable. The fact that s/he has been repeatedly stonewalled is not confidence inspiring.
As a Range officer, you are not doing any shooting. You are just (attempting) to make the range safe.
Well, yes but ... so what?
If you're implying that a range officer has little or no liability exposure, I disagree. If shooter X accidentally wounds or kills shooter Y, X will obviously be sued but any competent plaintiff layer will also sue the range officer, alleging that he or she failed to supervise X, knew or ought to have known that X was unsafe or unreliable, failed to take all reasonable steps to ensure Y's safety, etc. Even if those allegations are ultimately dismissed, in the meantime the range officer will incur significant legal expenses.
I do the same thing. I do not worry about it.... If you are worried about this, you better start worrying about cars crashing on the street in front of your home. You could be liable there too. Or if you give directions to someone and they crash later. Or if you are walking down the street and an asteroid hits.
I have more sympathy for this. Senator is right that we all face multiple potential liabilities and that the sensible thing is to lead our lives without worrying about them overmuch. Just conduct yourself in a reasonable fashion and hope for the best, PROVIDED always that you have adequate liability insurance in place.
