Easy there buddy! First of all congrats that round there you go out and ride 100 miles on your own, I do the same a lot but sometimes doing an organized century is nice. You should try it sometimes, believe it our not I find that both rides equal 100 miles. My response was directed to the original question which was asking if anyone had ever seen a century where ridership was limited to fixed gears only. This is why I mentioned rest stops because I was unsure if the original poster meant an club type century or just a semi-organized century. Anyway I was just saying that if you wanted to just get a group together and ride then that would work very well (see the NY weekend ride thread for example). But if you wanted to put on a club type century with an entry fee and shirts and all that good stuff that rider turn out for a fixed only century would probaly not be great enough to break even.

And as for insurance, every organized club century I have been to has insurance. Its not advertised but what happens if someone gets hurt and decides to sue the bike club, thats what I meant by insurance. Sure to get a few buddies together you don't need it but in a century in which an organizations name attached to it you better believe there is some type of insurance purchased by the organization for the ride. I'll use the NYMBA for example, I am pretty sure they have purchased some type of liability insurance for the CMWC. I think in some cases belonging to LBA or such organizations can help your organization in getting insurance for such events. And yes riding to work is no more dangerous than rididng 100 in theory, even though exposure priniciple would state otherwise. Anyway that concludes today's lesson on insurance and why I mentioned such things.