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.
What a bunch of BS, if this lawsuit was in a jury trial, that idiot, sorry that's not nice, that not so smart person wouldn't of got a nickel if I was on the jury. No need of all those regulations on things, just make it clear what something will do and wont do, like> this smoke extractor will remove paint fumes or no it won't. But there's no need for telling people if you put your hands under a lawnmower, your hands will be cut off or on a chainsaw chain while saw is running full throttle. Might as well putt a warning label on an axe, Don't swing blade on your hand, possibility of cutting hand off............