Seems like anymore the risk vs. reward for ANY sort of business involving dealing with the general public is almost impossible to insure reasonably. Im paying north of $8k pr year just for the body shop and storage facility, and still had to jump through hoops and have multiple inspections. Still any lawyer worth their salt is going to find loopholes if enough money is involved in an accident, no matter the waiver or signage. Its a sad state we live in, and its just going to get worse Im afraid. Is there any advantage to some sort of clause stating you have to be a member, whether its a club membership or a member of the riding area itself? Like Rousch Creek, we had to "join" for an additional fee, that has to have some sort of advantage, if nothing else it helps pay for the insurance itself. Also, and I personally hate that it has come to this, but if you hire some sort of "security" to "check" people or keep an eye out for suspicious activity (like Windrock has), that would have to make a difference in the liability.