Mary,
we have found that reciprocating with another class or fleet really benefits everyone. Last year we recirpocated RC duties with the local Thistle Fleet. They supplied the PRO, we did all the work. We worked under the insurance realm of the Local sailing clubs insurance, whom we used their Boats and facilties. The Thistle fleet was sanctioned as an official fleet of the club and to my understanding fell under the insurance plan as well.
This year for our Tommy Whiteside Memorial/SuperCat 20 Championship regatta we are reciprocating RC duties with a Monohull Club(Lake Murray Yacht Racing Association) which has their own insurance plan, and we are also covering ourselves as being an officially sanctioned event of the Columbia Sailing Club. We are using their facilities and boats, and fall under their insurance plan also. Incidentally we also have to apply for a regatta permit from the S. Carolina DNR, something we have never had to do before.
Point is, find another fleet, yes even unihullers to exchange RC duties with. You both win.

David Mosley
www.seacats.org