Just a thought here. I tried to organize one here but had an insurance issue. The city required a permit which required an insurance policy WITH unmbrella. Without the umbrella the insurance was $350. The local bike club would have donated $100 but without being able to charge for the ride I would have had to go on a donation campaign. One bike store said he would contribute but then wouldn't committ to a dollar amount. Any one else run into this and what did you do?