Beach Insurance is much more then the beach!

If your wild christmas party turns into a true sailors bash and your gracious and unsuspecting host's priceless ming dynasty vase is smashed by somebody's three year old..... You and your host are covered!

Again... insurance companies operate on the principle of distributed liability.... so... if a sailor (who is insured) drops the mast on somebodies parked car....or worse the head of a passerby you the organizing party may be held partially liable. Who knows... a jury decides that you should have blocked off the area behind boats droping their masts. (seems reasonable to a non sailor).


Is it worth the risk.... Will you run a fleet without insurance coverage?... Will you tell your wife that you/she might be personally liable for an action that a jury finds negligent?...

Your call!

Finally, you noted that Division 8 investigated the beach insurance issue. My reading of the coverage indicated that Division 8 would be called a regional sailing authority. This entitiy could run a race and have insurance however... it could not extend its coverage to Fleet xx's regatta within the division. If each fleet had its own directors and bank account... they would have to purchase their own insurance policy.

Once again... its your call about the risk/ liability issue.

Take Care

Mark