I have state farm, and had my agent check with their underwriter. I'm betting the underwriter is the same, and they do cover racing. Another difference is my boat spends hurricane season out of hurricane territory. Not sure how that affects the rates. YMMV.

What is liability insurance like now for regatta organizers? I recall this being a sticky point for the Tybee 500 and part of the entry fee, plus part of why these races are tough...