From the Eagle Springs Board of Directors:
In today’s environment when an event is held, the person or persons holding the event can be held liable for property damage and personal injury. Eagle Springs Association Inc., has like most commercial venues, instituted an Event Insurance requirement in the rental of the Clubhouse and Community Center. Event Insurance required by Eagle Springs Association Inc. covers the resident in whose name the event in the Clubhouse or Community Center is to take place. Included as part of this memo is info from the Markel Event Insurance* that specializes in Event Insurance. This information explains what Event Insurance covers and why Event Insurance is needed to protect the resident renting the facilities. Event Insurance can be purchased via the residents preferred insurance carrier or through Markel at Allstate Warner Robins. The refundable deposit when renting the Clubhouse and the Community Center is still required as this deposit is used for cleaning purposes if required or repairs not covered by Event Insurance. All of the above liabilities could have an adverse effect on the person or persons financial status unless they have the proper insurance to cover any potential event that they have organized.

From the Eagle Springs Board of Directors:

After reviewing the Club House and Community Center rental contracts and discussions with outside sources pertaining to HOA's, it has become necessary to revise these contracts. The main change is that no resident can rent the Club House or Community Center without obtaining Event Insurance.  The Board originally approved this last year as Event Insurance should cover everyone in every case.  Other changes are a clause that states there is no sub-renting of these facilities and strict adherence to the number of occupants allowed.  It has been brought to our attention that residents have sub-rented the facilities to non-residents, various organizations, and other types of groups.  Sub-renting our facilities is extremely complicated and opens up serious problems.  We notified our insurance carrier, State Farm, who stated that if a resident sub-rents the facilities, and the Association and the Board of Directors are aware of this, State Farm will drop all insurance coverage of Eagle Springs immediately.  These contract revisions are necessary to protect the Association, the Board of Directors, and the Residents.