I am not against the AMA or the insurance, didn't mean to leave that impression. I believe we need the AMA for a number of reasons. But on the "scare" mentality I have heard regarding personal liability: I am not an attorney and perhaps I am wrong but in the example of a pole falling on a child, I do not believe I would have any liability in this case if I had nothing to do with it other than I belonged to the club erecting the pole, and in fact was not even in the same state when the accident occurred. Back to my original question: Do you know of an example where every member of a club was held personally liable for an "event", even those who were not present and did not participate in the "event"?