Years ago, it was much easier to do without insurance.

BUT: you can often purchase an insurance certificate from a site, and use their insurance for a fee. So it's not as hard as it looks.

Still, I think the Schragger case demonstrates that one wants access to E&O and CGL insurance as an individual.

Me? I stopped running events once I bought a house, after pricing what insurance that would protect me would cost. Of course, that was back in the day before the SCA insured its volunteers as "additional insureds".