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DBB - I am not jumping on you, and I do get what you're talking about, but we did a lot of things Back In The Day that can't and won't fly today. If you (anyone reading this, not just DBB personally) look at the constitution/bylaws/risk management policies of your organization, it's quite possible that what DBB referenced is a huge NO. It doesn't take but a few seconds to identify what's wrong with the scenario DBB described.
OP: Do what Gusteau said. Check out FIPG. MJ Insurance also has a good reference library that addresses liability.
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"One of the painful things about our time is that those who feel certainty are stupid, and those with any imagination and understanding are filled with doubt and indecision." Bertrand Russell, The Triumph of Stupidity
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