Bob, I didn't read it all. But most commercial concerns are not member-based corporations, but rather stock corporations. A member of a member-run corporation is suing himself if he sues the corporation--that's the idea as it was presented to me. Cheap insurance won't cover that--people should have their own insurance to cover mishaps against themselves. You might be surprised at what happens if you ever need to test your policy with an injury to one of your own members.

As to needing to be big to incorporate, nah. I'm president of an arts corporation with a $10K annual budget. We are incorporated, tax-exempt, and insured, and none of that was burdensomely expensive to set up. Some of it required a lot if paperwork, particularly the tax status.

Rick "you can get insurance for anything if you pay enough" Denney