I have never been clear on why the race organizer should even REQUIRE people to sign something saying they have liability insurance. What does it have to do with the race organizer or race committee? It's an individual responsibility.

It would be nice to REMIND people that they should have such insurance, but if somebody hits another boat and damages it or kills somebody in a collision, isn't that solely the responsibility of the person who is guilty, if they were in the wrong?

Why does the race organizer/committee have to get involved and also be somehow responsible if they did not check every sailor and/or boat owner's certificate of insurance before allowing them to race?

I don't get the whole thing. <img src="http://www.catsailor.com/forums/images/graemlins/frown.gif" alt="" /> It is a can of worms.

If anything, you could just add an additional disclaimer clause that says that they take sole responsibility for any damage to other boats or injury to other sailors, regardless of whether or not they have insurance, if they are found to be in the wrong, whether by a sailing jury or in a civil or criminal court.