I agree with Mary on this..

My gripe is with Regatta organizers who take this on..

I don't have a problem waving a peice of paper that I write out that says... yes... i promise I have liability insurance... The club has no basis for rejecting my application.

The request for proof of insurance is likley part of what their insurance company requests... its just more hurdles to somebody going after their money.. It has no teeth. So who cares..

Now if the Insurance company wanted the club to use Notarized proof of insurance... That would be a real standard... and although a PIA... Even that would be OK..
Unneccesary... but OK...

I have a real problem with a club which wants to stick their nose in my personal crisis by collecting this info. As Mary says... Its MY PROBLEM.... I will deal with it... Thank you very much...