Terry I applaud you and the board of directors for doing HPOCA business with members and their families. Whether it be the purchase of insurance, construction or hauling. We have many hard working members with many different skills and many  are self employed. I certainly would rather hear of a HPOCA member getting HPOCA business than an outside company. My question for you is this. You said the insurance covers HPOCA members at HPOCA events. Will it also cover &amp;quot;temporary&amp;quot; members. Another words a non member brings his tractors to a HPOCA event. He doesn&#039;t wish to join HPOCA. However he would be willing to make a small donation to the club so he can be covered by the insurance for the event. Anymore it is a very big concern for me taking my tractors to small uninsured tractor shows and pulls. In todays lawsuit crazy world it should be everybody&#039;s concern. Danny