Howard Jones wrote
I've recently rejoined on behalf of an organisation, principally for the insurance

I joined for the first time recently, citing the great improvement that the society has undergone during this century. However, if I am totally honest it was also a way of obtaining Public Liability Insurance whch I am finding that I am increasingly being asked to present at gigs these days - though it is a very grey area in deciding whether venue, promoter or band could be held responsible for any mishap at an event.