I've had several club members ask me whether we should enroll in this. To date, I have responded to them that I didn't see a particular need. There is no social host liability in Maryland, and most of our events are at members' homes, or at other venues where we are invited to do demonstrations and where I believe the property owner's liability insurance would apply to anything that happens.
But, I'm an insurance claim guy, and before I can give any of our members what I think is a reliable answer, I would need to see the policies, both the general/liquor liability policy and the D&O policy. I haven't been able to find it...are they available for review?