[KobraKarl]

David makes a great point ; considering our group risk as a whole .it would probably make the most sense to dilute ourselves as much as possible with an existing group with an at least "percieved" lower liability status.

Turk's suggestion of an existing /recognized (and insureable)group to use / join should work at least when considering the relative power /weight ratios, custom features etc. We have almost every thing in common.
Karl