I think it was pointed out in an earlier post that the regatta organizer's insurance REQUIRES that all participants carry their own insurance.

I have not read US Sailing's regatta liabiltiy policy in a few years, so someone who has a policy currently should probably check that (or call their agent).

If the organizer's coverage requires the participants to carry coverage, then the organizer's policy should outline what is "acceptable" in terms of relieving the organizer of negligence.

Maybe all they need to do is state that insurance is required in the SI.

Maybe the participant has to affirm that they have coverage on the entry form (by their signature)

Maybe they need a copy of the certificate of insurance

Maybe they need a carrier name and policy number, and have to individually verify (geeze, I hope not - that's waay to much work)