We solved that problem at our club by having an honorary membership level included in the by-laws. This type of membership is for people from the community that volunteer to work during the show and is limited to 10days. It works very well and the insurance company said it worked for them. BTW, the liability porrtion of our club&#039;s policy cost us $9000 this year and includes 3 events, covers our 90 acre showgrounds and covers off site activities and members doing club business in their own vehicles.