Yes, I am afraid you do (insurance, officers liability etc).
The few cruises that I organise on behalf of BIBOA are but a small percentage of the events that they put on every year.
Joining costs, if you feel costs are the issue, are as laid out on the www.biboa.com
website, (I think I pay £45 per year) but all the events are free of charge for participants.
This is a bargain if you compare to those cruises run by other organisations, some of which charge hundreds of pounds per event.
That said, every BIBOA member is most welcome on any of our cruises.
I will even buy you a beer if you turn up!