Not sure how the club suffers...By virtue of being a AMA chartered club, the club is insured... Think about it...if someone, say just to spectate, comes to the field and has an accident...and is not even flying, the club is covered... Now, I know you will make the distinction based on whether or not they are flying...but please direct me to any exclusion to the club's liability insurance based on a non-club or non-AMA member's activity. If you give me that, I will concede your point and offer my apologies for my ignorance. Fair enough???