Peter,
Tha's a good list. You may know that the insurance policies have been a constant source of discussion by the clubs over the years so perhaps you should also post this direct to all clubs to get a reaction. Perhaps ask Paul to add it to his regular e-news??
For example, our Treasurer who deals with all insurance matters for our club is not on this Forum and he may have questions for Zurich.
I know in the past,one of the club's had an insurance expert amongst their membership and some interesting discussions ensued! I'll look back through my files and see if I can find anything.
A couple of the points in the list are more approriately covered by standing operational policies within clubs, possibly by way of example the disabilities point. A member is a member and we have an equal duty of care to them.
Hope this helps.