Basically, that's what I understood. However, I also understood what Wymore commented on...a "good attorny" can rip a new one in court, and incorperating may or may not provide protection to the board members. For the most part someone who sues will name all of the board members in the suit and each of them will have to retain a lawyer to protect their interests in the lawsuit. Ergo, as a board member you may find some protection but you will still have to hire a land shark make sure you get it. Usually the attorny representing the club will do it for you as individuals, but it will cost you personally to to retain him for YOU. (this IS how they make their living after all) If you are named in a suit and think that "The clubs lawyer will take care of it for me" without actually retaining him, you will find your name left off of any motion to dismiss the "individuals" named in the suit.... and yer in a world of hurt! I saw this happen to an acquaintance who had moved away from the area prior to a suit being brought against a local club. He was unaware of the suit, and technecaly still a board member, and a judgement was rendered against the club and HIM personnally because he was unrepresented during the motions to dismiss. It turned into a major nightmare for him!!!!!!
I have been a member of the board of my local sportsmens club for many years, saddly I find that I can no longer remain in that capacity because of issues like this. I have to think of my family first and formost. Unfortuantely I am not on the upper end of the income scale and having to pay a landshark to protect me in such an event would be devestating to my financial situation! There was a recent incident in which a trap boy was injured and things got complicated! Our insurance refused to pay the medical bills because he was considered an "Employee" and therefor not covered by liabilty insurance. (under Iowa law he was considered a "day worker" and not covered by workmans comp either) The board dug into their own pockets to pay the bills in that case and fortunately the parents of the injured boy did not want to seek further damages! We now have special insurance to cover trap boys, but we have to make a major increase in fees and membership dues to cover the cost of that insurance! This has, of course, resulted in a loss of shooters attending and a decrease in renewed/new memberships! End result: the club may not survive.