Man, you are asking some great questions on this thread! We are pleased to provide answers the best we can.
As I mentioned above, I have organized many protests and have partiscipated in other events organized by other folks.
Honestly, the thought of insurance has never once entered my mind!
As the President of the Florida Chapter, I recently asked some of the other very experienced Florida Freepers if they had concerns re: insurance. Everyone I asked had the same basic answer that I had. It was never part of the thought process when we Freeped.
Having said that, a Florida Freeper mentioned that our Homeowners Insurance probably covers any eventuality anyhow. I am not an insurance agent so I can't vouch for that information.
Basically, my point of view is that I leave my house every day doing different things and I don't really worry whether that particular activity I am doing that day should be insured or not.
On a lighter note, I would hope that somewhere between the many thousands that I pay for multiple autos, Florida Home Insurance (a whole thread could be written on that excessive cost!) or the rediculously expensive MSA, life insurance, business insurance...etc. - that I am covered in there somewhere!