Mark,

We dont collect the insurance forms, we ask to see them and check to see if they are current. Not a big deal at all, very little effort.

I understand the argument that we problably could go ahead and not check for insurance. If I had to bet, Id guess others dont do it mainly because they perceive it to be a hassle and unnecessary.

I think its important not becuase of all the detailed legal reasons, because it can potentially help a fellow catsailor, and I look at the the people I sail with as good friends. It certainly helped Timbo out when his boat was trashed, and seeing one friend get out of a bad situation was worth the effort.

If a little bit of effort on our part helps out one catsailor every few years Id think it would be worth it. Maybe YCs dont look at it that way? Maybe thats why I sail catamarans.