Which is why I thought NAMSA came into existence in the first place, to act as the governing body and organizer for (non-hobie only) regattas to be held at various locations. This would alleviate the local clubs from the various issues you bring up.
If I understand you correctly, with the US Sailing insurance (Chubb) programs, only those unicorporated fleets/clubs would benefit from the liability protection purchased by the national organizations.
Those fleets/clubs that sought incorporated status (to raise funds, hold local events, etc.) would have to purchase their own regatta policies for whatever they do.
The bug is right. We are incorportated and yes we had to purchase our own insurance. This alone is making the regattas expensive. Nearly half our budget is insurance.
