I would think there is a need for better Club recognition, such as clubs required to provide yearly rosters of paid members, up to date by-laws. The way it stands now a club could pay for 3-4 members, even though there are more than that in the club. I would think that the Broker & the Carrier would want a more accurate count other than one done on the honor system. The real test will be when the first claim is filed.
Was the premium per member ever thought to be a portion of the AHA dues? This way there is a defined number that the underwriters can use in determining premium. In addition, it could be a way to increase AHA membership with the clubs driving the membership rolls.