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If I knew the answer I wouldn't have asked the question. I can see the swap meet liability but not sure about the picnic, guess because the only time we eat is if we are on a tour or spring and fall banquets as a group. I would have to ask the powers to be if we get insurance for are spring and fall banquets or when we stop at a public park to eat lunch. As a member of one of the sponsoring clubs of the Portland Swap Meet the insurance cost does not come up in the budget because the clubs that sponsor it formed a corp. that runs the meet.