[Billfred]

Insurance was one of the big reasons we organized 4901 under 4-H. (The other, handling team funds, is something that South Carolina is still working through after the tax group exemption was retired on the national level. Your state may have this figured out already.)

Look up your local extension office (usually there's one office per county) and ask to speak to the 4-H agent to see if it's a good fit for your team. 4-H is less strong in a lot of urban and suburban areas--I'm pretty sure we're the only 4-H club meeting in the city of Columbia--but agents want to grow it everywhere and I've found ours to be a big help. (We did kinda blow her mind when she came to our pit at Palmetto--she'd never been to a FIRST event!)

If 4-H isn't a good choice for your team, then I'd talk to parents and find an experienced insurance agent in your community. We had to do this the first and second years of SCRIW to insure the field, since FIRST requires insurance on their field and AndyMark hadn't started offering it yet. I still remember them asking us who was going to guard the running track that night--the insurers didn't know our event was going to happen in a gymnasium we could lock up! A FIRST team is going to get a lot of questions like that, and you want someone you can have on speed dial or can email.