MICreek

I just want to clarify... The insurance coverage that we are talking about is NOT a personal property and liability issue. eg your Hobie 16 and the damage you cause to property or personal injury while racing. I agree with your point that your homeowner's policy could well include the boat and your liability.

In order for an organized race to occur, IMO it's prudent to protect your volunteers from crap that could happen.
The insurance is for your actions while you are serving as a volunteer on the race committe. Even if you have an enormous personal umbrella coverage... most volunteers would expect your organization to step up with coverage and not have to fall back on their personal financial package.

Also, you organize and launch off someone's property. We would have a devil of a time getting a permit for Baltimore City property... They insisted that CRAC have a policy that covered their property... After several years they figured out that the liabilty policy we would send them only covered our actions on the water and not their property... Likewise, the DTB won't happen because the owner of the land at a midway point is uncomfortable with the policy for his property that we could purchase. So... from his point of view... Eh... not worth the hassel.

The good ol days are long gone... Yacht Clubs exist with property on the water and a structure to host regattas...

Cat Sailors should use them.

Rock Hall, MD hosted 75 dinghys including 12 A class and 11 Open class this weekend Including a 12 mile down the river race with 3 classic Chessie log canoes on the starting line. .... The cat sailors thought it was a priceless deal and we were happy! That is the future!