Been through tourney bassin' and seen the worst. Buddy tourneys are rife with problems. Also can't see why anyone would want to take fishing and throw pressure in. As far as insurance there has to be a reason that BASS requires it. Let's say there was a wreck and the tourney fisherman had no liability insurance. Seems a court could find your organization responsible for not monitoring closely. Similar to a bar being held responsible for actions of a drunk leaving the bar.