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Thread: Can a Letter of indemnification serve as insurance

  1. #1
    New User Level 0
    Join Date
    Apr 2010
    Orlando, FL

    Default Can a Letter of indemnification serve as insurance

    Hi, I live in a motor home, which a friend allowed me to park on a commercial property, (the church premises). I'm currently unemployed and the insurance lapsed recently and when certain of the administrators found out, I'm now being forced to insure, "just in case a tree blows over on the vehicle, or something". if insurance is a guarantee to indemnify another against loss, is a letter indemnifying the church and all it's subsidiaries legally enough if witnessed, notarized, and filed with the county clerk? please help!!!

  2. Last edited by Jo Bernard; 04-19-2010 at 03:00 PM.

  3. #2
    Super Moderator
    Level 10
    xrac's Avatar
    Join Date
    Sep 2009


    No! You need at least liability insurance to protect the church against something on your part. A letter of idemnification would only guarantee that you would hold them responsible or sue them. However, is say your RV accidentally moved and someone was hit the church would face a potential lawsuit.

  4. #3
    Senior Member Level 3
    Join Date
    May 2010
    Phoenix, Arizona


    It's legal to sign an indemnification agreement but if you can't pay for the damage or injury that you cause, then it's only going to put you in a deep hole when something happens.

    And I seriously doubt that the church would accept such an agreement in lieu of insurance.

  5. #4
    Member Level 0
    Join Date
    Mar 2011


    Indemnification letter will decide whether you are responsible person for that accumulation or not, i think it will clear that you don't need to have a insurance policy on that property.

  6. #5
    New User Level 0
    Join Date
    Mar 2012


    good response and absolutely correct one.

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