I sympathize with his point BUT. as always its not as simple as it seems. My guess is the clubs have the policies for protection in case of litigation. There are far to many lawyers willing to take a case and sue for no other reason then the Insurance company's have deep pockets. Now days you can get in legal trouble not because of what you DO but also because or what someone says you DIDN'T do. It's called negligence. People stand around just waiting to feel insulted or put upon so they can be victims and get attention. The way to fix this at least in the USA is thru tort reform. There should be a high threshold for cases to be brought to eliminate frivolis lawsuits. Caps on punitive damage should also be put in place. I would gi so far as to even limit what a lawyer can make from bringing such a case to court.
Bottom line, don't blame the clubs they are only "covering their ass"