[Eugenia Gabrielov]

Insurance is a touchy issue, that I don't encourage discussing much on public forums because that's a personal team thing.

However, let me change my ideas:

Do not volunteer in any organization that has immense liability: i.e., Habitat for Humanity or any other building. Yah, it's fun to build, but if insurance is an issue...

Get a parent group going to help you work that out. It could help in the future.

Find out the specifics of that policy. If it indicates that you cannot do certain things under the guidance of school officials and that is what you have to pay for, then don't do things under the guidance of school officials. This is a great time to become a team leader and organize a social event or two, or volunteering, or to carpool with parents to an offseason comp.