Hi Paul, thanks, I will email you. I was not asking the AWGB to advise on insurance as I know you can't, it was more about getting other clubs around the country to say what they have got and their opinions.
David, thanks for your reply. Our initial look into this found the same. Personally, I think we could spend the money better in other ways and loath giving the insurance companies money that we would unlikely ever need to claim on. It's more for piece of mind, but a thorough risk assessment should address and take whatever actions are needed to ensure we don't get the problems in the first place.