The insurance is the US Sailing sponsored Burgee Program.

Bottom line If your fleet is unincorporated... you can use the policy coverage.

Most clubs incorporate so that they can open a bank account, and shield their officers and volunteers from some liabiltiy.

Its the same sort of thing that NAMSA would offer.

Pooling clubs into regional sailing groups is expressly prohibited. Basically if you have two bank accounts... you have issues with pooling.

Bottom line... your assets are on the line when you do this kind of service (Sad but true) and you should assess the liability exposure for yourself.