Have the various clubs and groups thought about banding together to get the best price for each of their respective insurances? Negotiating power as a Group may be better. Each Club could still be independent but having say 4 clubs having 4 policies with one insurer is better than 4 clubs having 4 policies with 4 insurers.
just a thought
I like how you think, Spiv. But I don't think you're thinking big enough. Why not just create an umbrella organisation solely for the purpose of obtaining insurance? So long as any clubs operating under the umbrella fulfilled the same minimum obligations, they could all use the same insurance, right?
EDIT: Call it the Tabletop Gaming Alliance as a nod to the last club that had to close because their bills got too high.
DOUBLE EDIT: Too soon?