I think we need to distinguish between Div Points events, which are run by Division RC "officers or officials" for Div points;, and fleet events that are not part of the Div. schedule. Is that enough distinction for the lawyers :-) Probably not, but the other way, both fleets AND the Div would need a policy (the Div should have told the fleet to not hold the race in big surf, and the Fleet mishandled the chase boats, so both are liable, etc).
Our Potomac group got sued when a RC volunteer slipped on the dock after coming in and broke an arm. Myers-Brriggs claimed 67 lawsuits filed against RCs in the past 10 years (quoting from faded memory)...

Chris