Living History Association

Liability Insurance is now available through the LHA and Shoff Darby Companies!

  * In order to be eligible for the liability insurance package, you must be a member in good standing of the LHA.  Please visit our Membership Page for information about the different membership categories.

• American International Group (AIG) National Union Fire Insurance Company of Pittsburgh—LHA’s Agent Linda Small of Richards Group of Brattleboro, Vermont. This insurance comes to you automatically with every dues payment and dues payments are adjusted over time to cover these insurance costs. (We just had our first dues increase of $3 at the Associate level in more than 15 years at the old level of $12 a head per year.) All LHA members (the Associate, Individual & Family Membership levels and all others) are each covered, going to and from a reenactment, as well as at the event itself for $2,500 in personal simple injuries as well as $5,000 in catastrophic injuries (loss of an eye, or limb, or other major injury). This can be the cost of an ambulance ride and the resulting treatment. It acts as a first line of health insurance if you have no health insurance, or as a secondary insurance that picks up your main insurance’s deductible amount.

The LHA protects all reenactors at events hosted by the National LHA Headquarters, its departments and committees, and even by member units that request insurance support.

• Harleysville Worcester Ins. Eastern Insurance Group, LLC Commercial Lines. This is the LHA’s Master Liability Policy and covers all LHA organization events as well as any events sanctioned under LHA Safety Rules. These events are either operated through the LHA National Office or by its official sub departments and committees or through member reenactment organizations (units) who have asked LHA Headquarters for insurance coverage. All parties requesting insurance coverage for an event must meet LHA Safety Rule Standards as posted at on the LHA's website. The amount currently is for $1 million for coverage in a law suit where organizational liability is sought—in other words where the injured party feels that the LHA or its representatives caused their injuries. The policy includes a $5,000 personal injury package to pay for spectator and reenactor injuries at LHA events. Also there is a property damage clause for $500,000. LHA Member Units hosting events that want to be covered under this policy must request coverage from the LHA Headquarters. This policy is supported by membership dues.

Hosting an Event:  For LHA units, LHA organizations, Officially Recognized LHA Departments or Committees, municipalities and celebration committees who wish to host an event and need to prove that the LHA has liability coverage or they need to additionally insure land owners or others who are sponsors (such as a municipality) fill out and send in this application click here.

LHA is one of the only organizations where, Responsible Parties For Events Are Covered Personally: The LHA Board of Directors, and Officers that include those persons operating events (could be unit leaders) where LHA Safety Rules and LHA Organizational Liability Insurance is used are in addition “personally covered for liability”.

• Mount Vernon Fire Insurance Company. This is the LHA’s liability policy to cover those people of responsibility who have executed an event in the name of the LHA or in the name of a member unit and the LHA. Liability suits for injuries can step outside the organization’s boundaries and attack good people who volunteered their time for their love of history. The unit commander who co-hosted an event with the LHA, as well as LHA’s own Board and Officers are protected personally for an additional $500,000 in liability coverage to protect themselves and their families “personally.” This policy is supported through LHA Membership dues and is available to anyone who has applied to co-sponsor an event utilizing the LHA Safety Rules and organizational umbrella.

A Policy Just For Reenactment Units: The LHA offers you personally as well as your reenacting group the opportunity to have the best and most affordable liability insurance package available in the United States today. That policy goes with you whether you are at an LHA event or the event of some other organization. One big restriction is that you can’t host an event with it—but if you notice from the above offerings that come with LHA membership, LHA Headquarters can help you host an event through insurances we already have in place.

• Shoff Darby Companies. This is an item we are very proud of and a great offering of liability insurance for sutlers and merchants, persons who do school programs as a business, and above all individual reenactment units. It offers all kinds of options with both $1 million and $2 million available on each occurrence and aggregates of $3 million and $4 million dollars. Groups taking this policy must have 50% of their members buy an LHA membership at either the $15 Associate, $20 Individual or $30 family membership levels. But an insurance of this magnitude can be purchased for a group of 30 members (only 15 of which need to be LHA members) for as little as $300. This insurance is totally supported by those who buy it and the resulting membership dues are used to support LHA’s other insurances as well as events and activities. To see all forms and how to purchase this insurance go to www.livinghistoryassn.org or go to www.shoffdarby.com or contact Jim Dassatti at info@livinghistoryassn.org (802-368-7913) or talk to Allison Steeves at (1-800-840-7762) or steeves@shoffdarby.com.

The Living History Association is prepared to help you with your reenacting needs, regardless of what organization you represent, how many or how few reenactors you may have—we are “People Bringing History To People.”

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