So in order to sail with a well covered skipper all crew must:
Show proof of health insurance
Pass a basic seamanship course (in case the skipper is incapacitated and the crew must sail the boat to shore)
pass a swim test
be certified in first aid/CPR
wear necessary safety equipment (pfd, helmet, shoes, gloves)
know how to operate VHF, Flares, PLB, GPS
sign a liability waiver

Pete's right (did I just say that).....we all need to sail singlehanded boats!