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<p class="MsoNormal"><span style="font-size:14.0pt">Hello Joelle:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt">It is likely that unless a library has a pretty broad policy, they would have to purchase additional coverage to cover certain LoT items. Considering a liability waiver is a smart idea – but remember that
minors under 18 cannot contract, so unless you are prepared to obtain signed waivers from parents/guardians for all minor patrons who borrow LoT, you may wish to restrict your LoT collction to adult borrowers only and require they sign a good general waiver
to borrow anything. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt">It is a good idea for you to consult your library attorney to ensure that the waiver language is a good fit for your library and the LoT collection you have.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt">I will send you some examples, but samples are not a good substitution for advice from your lawyer.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt">Take care!<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt">Clare<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal">Clare D. Membiela, MLS, J.D.<o:p></o:p></p>
<p class="MsoNormal">Library Law Consultant<o:p></o:p></p>
<p class="MsoNormal">Library of Michigan<o:p></o:p></p>
<p class="MsoNormal"><a href="mailto:MembielaC@michigan.gov"><span style="color:#0563C1">MembielaC@michigan.gov</span></a><o:p></o:p></p>
<p class="MsoNormal">517-335-8132<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt">The research and resources above are for informational purposes only and not for the purpose of providing legal advice. You should contact your attorney to obtain advice with respect to any particular issue
or problem.<o:p></o:p></span></b></p>
<p class="MsoNormal"><i><span style="font-size:12.0pt"><o:p> </o:p></span></i></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Edwardian Script ITC";color:black">“</span><span style="font-size:22.0pt;font-family:"Edwardian Script ITC";color:black">The dissemination of ideas can accomplish nothing if otherwise willing addressees
are not free to receive and consider them. It would be a barren marketplace of ideas that had only sellers and no buyers.”
</span><i><span style="font-size:14.0pt;font-family:TimesNewRomanPS-ItalicMT">Lamont v. Postmaster General</span></i><span style="font-size:14.0pt;font-family:TimesNewRomanPSMT">, 381 U.S. 301</span><i><span style="font-size:14.0pt"><o:p></o:p></span></i></p>
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<p class="MsoNormal"><b>From:</b> Michlib-l <michlib-l-bounces@mcls.org> <b>On Behalf Of
</b>Joelle Wake via Michlib-l<br>
<b>Sent:</b> Friday, January 13, 2023 10:18 AM<br>
<b>To:</b> Membiela, Clare (MDE) via Michlib-l <michlib-l@mcls.org><br>
<b>Subject:</b> [Michlib-l] Library of Things<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<strong><span style="font-family:"sans-serif 10pt";color:black">CAUTION: This is an External email. Please send suspicious emails to
<a href="mailto:abuse@michigan.gov"><span style="font-weight:normal">abuse@michigan.gov</span></a></span></strong><o:p></o:p></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:12.0pt;color:black">Hi Clare, <o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:12.0pt;color:black">I was curious to know if libraries get specific insurance for their Library of Things collections? I was told by my insurance agent that we would not be covered if we lend
"dangerous non-traditional" items such as tools, kayaks, etc. <o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:12.0pt;color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:12.0pt;color:black">I reached out on the director's listserv and I only had one Director respond back saying that they did not get extra coverage. In fact, Niles Public Library only has a
policy and a liability waiver for their LoT collection, which I anticipate having too. <o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:12.0pt;color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:12.0pt;color:black">I was also wondering if you had a general liability waiver that other places use? <o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:12.0pt;color:black">I look forward to hearing from you. <o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:12.0pt;color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:12.0pt;color:black">Thanks, <o:p></o:p></span></p>
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<h3 style="margin:0in"><span style="color:#235775">Joelle J. Wake<o:p></o:p></span></h3>
<p style="line-height:16.5pt"><span style="color:#235775">Director</span><span style="font-size:10.5pt;color:#235775"><o:p></o:p></span></p>
<p style="line-height:16.5pt"><span style="color:#235775">Lincoln Township Public Library</span><span style="font-size:10.5pt;color:#235775"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:#174E86">(</span><span style="color:#235775"><a href="tel:(269)%20429-9575"><span style="color:#174E86">269) 429-9575</span></a><o:p></o:p></span></p>
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