Liability insurance

David Bingham, writing about Sparrowhawk operations,
mentioned that the USHGA provides liability insurance
coverage for all its members. I checked their website,
and sure enough they have a master policy covering
every member [and every club] up to $1 million, with
a $1000 deductible.

Now, the membership of USHGA is $59 per year, including
a magazine sub.

And while ultralight hang-gliders may have a little
less liability damage potential than a Nimbus, they
are flown by unlicensed pilots under loosely controlled
conditions. It seems that the two risks might be comparable.

Why can the SSA not offer some similar coverage to
all members ? What would it require, and how much
might it cost ? And how many more members might join
SSA just for that ?

Ian