Even if they've been little but an insurance agent the last few years that's still a valuable service. The group policy (and board policy's) that are available can't be had through other carriers at the prices that are available through RRCA.
Since you're a fool to have an incorporated club without insurance for your board, and in many communities it's impossible (or sometimes illegal) to have a public event without insurance, the RRCA makes it possible for many events and clubs to exist.
You can get similar insurance through USATF, anyone who's gone through the sanction paperwork knows it's a pain the the ass and something that has to be repeated for every event, not at a group level like RRCA's. Also, from a cost standpoint, private insurance is often cheaper than USATF.
Now could RRCA (and AARC) do more. Sure. I've been pretty damn dissapointed with the antics of the last few years. There's one simple things that would make the RRCA a better organization, getting a few "serious" runners off their complaining, whining asses and out volunteering in member organizations (and for state and national positions). The reason that groups like the RRCA get their tit in a wringer and why they're more concerned with "social" aspects of runner lately, is because people with less concern for management and competitive running in general are main ones stepping up to the plate and doing the work.
If you look at Roads Scholar, just a few people put that together. We need more people like Don Kardong working in the organization and Scott Douglas putting in the time to fund raise. Now's a good opportunity to do something positive instead of sitting on the sidelines bitching.