It's not gatekeeping.
RUSA insurance literally comes into play whenever RUSA or its volunteers get sued. And the big coverage isn't a judgment; it's the legal defense against the suit. Even a frivolous lawsuit out of pocket can be many thousands of dollars. Without insurance, the cost to defend would be borne by the volunteer/board member, which is how you end up with no volunteers and RUSA dies. The insurance has imposed bureaucratic requirements on us that must be followed. Step 1 of any insurance claim is producing every bookkeeping document to demonstrate that we are following the requirements in both the specific case and, likely, in general. If not, they might say, "You're on your own," and then we have to fight for coverage to be applied.
This also isn't academic. A few years ago, a surviving spouse sued RUSA, and the carrier at the time determined that we weren't following their rules, and thus, we weren't covered. RUSA had to defend itself against a lawsuit and sue the prior carrier at the same time. I'm not sure it's appreciated, but that was almost the death of RUSA, and it took some serious work by the board to secure a new liability policy after it.
Is it a pain in the ass and an impediment to getting new folks in? Absolutely! The whole sign-up process sucks and is super painful. I think most folks don't remember how painful it is because they signed up so long ago, but having helped folks do it, it isn't good. However, the more productive path is to explore ways to streamline the existing steps. If I were king for a day, signing up for RUSA would allow for the optional enrollment in the permanent program at the same time, creating the online account, and having automated creation so that the member number assignment is instantaneous. And yes, I think we should make "first time guest" something we try for on the insurance side when we renew our policy, but please understand that renewal is both annual, and we don't have a ton of options. Believe me, as an RBA, I want to have fun riding bikes and support folks doing just that, but sometimes there is some boring bureaucratic BS involved in running something as real as a 501c3 with board members and volunteers is unavoidable.
My 2 cents as a not-so-new guy who wants more fresh blood.
Josh Haley