Summary: 4x4 club has stuff, stuff is in crappy trailer, 4x4 club wants new trailer or mobile unit (twinkie van or what ever) so club gets in to discussion on insurance. We have no GL policy, we own no real estate, nor lease or anything. Total of said stuff is less than $20,000. How do we get it insured? Are our principals liable for anything should said trailer or twinkie truck hit a bus load of nuns with children from the orphanage and spread them like mayo on a fat man's sammich? How does this all work? Of course how much but I'm sure there are lots of questions before a dollar amount can be thrown out. We are in WI, we are filed with the state, we bring in money but are not a "for profit" organization. Any help out there?