Then I guess you won't be doing much racing down in this state next year. I have insurance we all have insurance but we pay for any damage out of pocket. When I go to MKL you are on your own that's a pretty major race.
I'm sorry...When you said that most of the boats on your beach didn't have insurance, I just had visions that there were a bunch of boats on the beach that didn't have insurance. Suppose you trash my $12000 boat, or worse, injure me or my crew - are you going to pay that out of pocket? I certainly couldn't. It is irresponsible to enter a race without insurance when it is so inexpensive.