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Okay, here's more of my post from another thread:
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This whole insurance thing is a complete mystery to me. I don't understand how it works and what it is that you are supposed to present to show that you have insurance at the regattas that require it. Are you supposed to show a copy of an insurance policy on your boat or a copy of your homeowners insurance policy? WHAT? (Nobody has EVER asked us to prove we have insurance of any kind.)


At one major event this year we had to show proof of liability insurance. They also sold policies at the event - we bought one as I had forgotten our paperwork. It was a simple form and covered us for just that event.

Dave Ingram is my president. tcdyc rules