Re: Insurance. I have mentioned this before on this forum. What is the regatta organizer actually buying when paying $400 to $1000 for "regatta insurance"? We found out that sometimes the underwriters are insuring only injury to "spectators". They do NOT insure injury or damage to participants, but try to find this out before paying for the "insurance". Some coastal municipalities force organizers to have "insurance"- but it is very difficult to find out what they actually want! So- they killed our fleet's regattas. PS: I have never heard of a lawsuit brought against a regatta organizing committee. Has anyone? But my wife says we ain't doing it anymore for legal reasons. This is a real shame because I used to have a good deal of fun organizing these events.