Guild Insurance?
A few friends and I are heading up our guild's spring retreat and the question of insurance has come up. Our guild has not had insurance in the past; some members who have lived in other areas of the country have been in guilds which have had insurance; and others have questioned the need. I'd appreciate input from you as to 1) whether or not your guild has insurance and 2) any anecdotes around your guild's decision to have it.
Thank you!