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Jerry Feldman wrote in a message to Mike Bilow: JF> A small group with few, if any, assets probably does not need JF> the insurance. On the contrary, a larger organization is more likely to be incorporated, as my amateur radio club is. An unincorporated association tends to expose its officers and members to a greater degree of liability, in some cases and in some states allowing each member or officer to be held personally liable for the full amount of organizational liability -- what is sometimes known as the "street gang" principle. The costs of incorporation are usually minimal. The last I knew, Rhode Island charges $35 to create a non-profit corporation and a $10 annual renewal fee. I have no idea what the fees are in Massachusetts or New Hampshire, but any organization other than the most informal should be incorporated and insured. -- Mike
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