Originally Posted by
merziac
Agreed, however these "shop" rides likely fly under the radar and still expose the shop/others to liability. They surely have a waiver/disclaimer but that won't stop some sue-happy PITA from screwing things up.
So jealous, makes me want to fly down and ride. 
Sometimes, the "sue-happy PITA" is an insurance company forcing someone's hand. Say you get hurt. Your medical insurance gets you fixed up. But what if the decision makers at the insurance company think there is possible liability on the part of someone else, such as , say, the organizers? If your policy so provides (and it probably does), the insurance company can make you sue, or can step into your shoes and sue, to recover the medical costs, even if you don't want to. This is especially likely if the target has assets and/or insurance themselves. You won't have a choice if you want to keep your medical insurance and/or don't want the insurer to come after you to pay the bill in a breach of contract suit. So you may end up in the position of being the name on a lawsuit against the organizer even if you don't want to be.