We have a local trail that is killer but about a year ago the owner closed it off because people were thrashing it (I really don't blame him), but I really miss the trail. A few of us started a 4x4 club locally and we approached him and asked if we could have permission to use the trails for club runs and stuff if we had clean up days as well. He said it sounds fine but he would not allow us to wheel on his land unless we have "Club Insurance". What exactly is needed for club insurance? I have a feeling not enough people would want to pay dues for club insurance, and we wouldn't be able to wheel on his land. Any advice on how to handle the situation or info on club insurance?