I can give one example to put things in perspective.

A father had his toddler at the flight line. There was a "parking lot stop" (cement thing) being held in place with rebar. The father had the child in a chair and told him to be still. Of course, the toddler did not. He fell from the chair impailing himself on the rebar. The club and landlord were sued for neglience. The rebar had been sticking up for three years.

The end result was a settlement of just under $1 million and a rule prohibiting anyone under 6 on the flightline unless they are flying.

Most of us do not think it terms of non-flying accidents, but that is where most of the big claims are.

How would you have liked to have been a member of that club with no liaibility insurance?

JR