Just a bit of a heads up in regards to requiring prospective member needing their own liability insurance to be able to join.. you'll find many people do not and will not pay for their own insurance, that's why they join a club, because all clubs have their own club insurance policy,
I expect until you as a club can provide insurance your membership numbers will remain extremely low.
Our club, and its small, 22 members ( it started with just 3 of us 6 yeas ago) has a no member limit £1,000,000 public liability policy, no restrictions on what we run model wise either, it also covers wild life, vet bills etc, its quite comprehensive. total bill for the year £72.50, the first year we had it, Me and the other two founding members just footed the bill in one hit. our annual membership fee is £20 which includes insurance, and maintenance and improvements to our dedicated sail area as well as equipment purchases.
I do wish you luck, i know first hand what its like to start a club and keep it running, hard work, dedication, and frankly a large input of cash with little hope of getting it back!!