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If I may speak for Hensley:
I don't think his point is that the umpire is liable or not. He often argues against those that say that insurance won't cover them if they do something negligent. That is EXACTLY what the insurance is for: to cover your acts, even if negigent.
To use the often quoted example, say you get loaded at a bar one night, then drive home, getting into an accident on the way. The accident was your fault, and the intoxication played a major role. Are you negligent? Absolutely. But is your insurance company going to pay? Absolutely, that's why you have the insurance. Are they going to drop you like a hot potato given their next opportunity? You bet, but in the mean time, they pay for this one.
I'm with cb 100% on this one. My umpire's liability, combined with my umbrella liability policy will cover me if I get sued. Whether I'm ACTUALLY liable or not isn't the issue. There are FAR too many lawyers out there that are willing to take the parent's case and make my life hell. To me, it's not worth the risk. If you can sleep with the risk factor or have nothing to lose, then don't pay the insurance premiums. But not me.
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