I do know a guild that was named in a lawsuit by a new member when she got a nasty cut from a rotary cutter at the guild class learning to quilt. She said she wasn't offered or informed about a safety cutting device. The building where the guild met had insurance and they handled it but could have been awful if the building turned around and sued the guild or many other different situations from it. I have brought up insurance to my guild a lot but many members balk at spending the money. That is one reason I won't take an elected office in the guild because of no insurance. Never know what a person will do when a chance of $ gets dangled in front of them. Just my thoughts.