Yep, insurance!
Our association once considered in going our own private member insurance route so the board of directors had a specialist address us on the procedures.
It involved so much re-insurance and legalities that we opted out, however we did learn a lot.
Way back when a large dept store chain were sued for millions, and lost, because a person decided to use his rotary lawn mower to trim his hedge.
Naturally he lost 8 fingers when he picked up his mower to trim his hedge.
Courts ruled negligence because they neglected to place 'do not put fingers here'.
Today you will notice all sorts of gadgets on a lawnmower and walk behind blowers all designed to make them safer (and more expensive).
Also more maintenance prone.
Our industry was aviation and we could have ended up with liabilities for just about anything anybody had performed on any aircraft before we even touched it ourselves based on negligence on not observing other faults or omissions.
Liability was so bad that major aircraft manufacturers were spending more on liability insurance on some models were actually selling for.
As a result many product lines were dropped up until the gov't enacted some sort of limitations under Clinton regime.
Think about it a bit.
Welding shop and all the fumes, gasses, cutting grinding (silicosis) all of which are generally considered carcinogenic agents with long term disabilities costing fortunes---lawyer's windfall and insurers nightmare.