Whoa?!?!?!? Advise someone to NOT carry insurance? That means if someone successfully sues the "store" for neg. in organizing the trip, the Plaintiff just got themselves a store! Does the store owner really want to jeopardize ownership of the store (not to mention their personal residence, boat, and car)?? Many lawsuits are settled for the amount of insurance coverage, meaning even if the Plaintiff can establish damages in excess of, say, $100k, the Plaintiff will settle for the $100k. But at least the store owner gets to KEEP the store.