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The member's HO coverage would cover their individual negligence, but what if the incident was very serious, such as death (especially of a minor). The club will get named in the suit and absent of insurance will probably need to sell off all the assets (including the property, which you didn't list above).

Also, maybe the incident didn't involve anybody doing anything wrong. Such as a trip/slip and fall. Though many of these things are minor, strange things can happen. In this case, there is no person to sue, just the club. See above.

Now, maybe this is no big deal to you, but what about the other 13 active members? Do they are share the same feelings toward the future of the club? If not, the board may be sued by one of these folks for the decision they made not to carry liability insurance. And, BTW, their Homeowners won't respond to this type of claim.

Just somethings for you to consider.
 

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Let's also discuss the unthinkable, that you really were at fault. Maybe put a kid in the trap house without supervision or training to run a handset and he has a serious injury. Are you going to be like the rest of the morons who drive around without insurance and just say sorry when they whack someone? Insurance is not just to protect your butt, but to cover your responsibility when you injure someone else.
 
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