Jay,
Can you investigate whether the insurance company will/does offer individualpolicies that will cover a racer for 1 event(level 1) for liability and property damage. If they do it could be sold to those sailors that do not carry their own policy at the time of registration. Many do not carry insurance because they race only a few times a year, or only sail in local events etc..., among many other reasons.
IE: you can buy life insurance to cover you while you travel or fly for short periods of time and the cost is very low.
Rick,
I do not know how to word the insurance section.
Jay, copy and paste into a new reply and add the insurance information that you have.
Draft level 2 Sanction (chapter)
NAMSA Regatta
Objective:
* Communicate to the multihull sailing community that a specific regatta welcomes all multihull sailboats under one national umbrella.
Benefits:
· Regattas which meet the sanctioning criteria established below shall be permitted to use the "NAMSA" logo when advertising the event.
· NOR will be posted in Catsailor Magazine.
· Pre race adverting in Catsailor Magazine.
· Post race coverage Catsailor Magazine.
· Low cost Regatta insurance
· Participants get points entered into a National NAMSA database.
· Increased participation in your events due to point system leading to Level 1 events.
· Tips and suggestions on how to run a quality regatta.
·
Criteria:
* The event organizer must be a member of NAMSA.
* All regattas shall be conducted in accordance with the current ISAF rules.
*Insurance:
Each racer must sign a release of liability in order to participate in any NAMSA event before the event starts.
* Each racer must agree to be responsible for any and all damage caused to any person, boat or personal property as a result of racing activities both on shore and on the water.
WHO IS COVERED WHAT IS COVERED WHAT IS NOT COVERED ADDITIONAL REQUIRED COVERAGES NOT PROVIDED BY NAMSA
* Buoy Racing:
· An event organizer may specify the minimum number of same-type boats that will constitute a one-design fleet for a specific regatta. Each fleet will get a separate start and will be scored separately. Scoring will be based on finishing position.
· Boats not racing in a one-design fleet will race in a handicap fleet. This fleet will get a separate start and will be scored separately. Scoring will be based on corrected elapsed time using each boat's unique handicap number. At the discretion of the event organizer, there may be more than one handicap fleet. These fleets may share one start or have separate starts and/or separate scoring based on some distinguishing factor or combination of factors.
* It is suggested that the 2001-2004 Racing Rules of Sailing, Appendix K, Sailing Instructions be used.
* Distance Racing:
* All multihull sailboats are welcome to race in the event unless safety precautions dictate otherwise.
* Scoring: Event organizer may use any scoring system. It is suggested that Sailwave be the scoring software of NAMSA sanctioned events.
· Fun Events:
· Insurance and release of liability required.
· Postponement:
· Dangerous weather conditions (threshold) other factors?
Awards:
· Level 2 events carry no award requirement.
· It is suggested that awards are be given three deep in any scored fleet that has at least seven boats if and when awards will be given.
Eric,
I like what I see. I'm through with my comments (as a lawyer would say, "I rest my case."). If Jay can't get you an answer on short term insurance for a regatta, our fleet here in Denver just got a similar policy last year. We started checking insurance. If people didn't have any, they could sign up for weekend regatta insurance for $10.
Bob
Bob, thanx. I thought it might be available.
Jay, can you please call our carrier to get the specs on this type of coverage if they offer it?
Thanx,
Eric Arbogast
Eric,
I'm still waiting on the policy, but I'll try to contact someone over there to get more specifics on the individual coverage and let you know.
I'm leaving for the Delray Drag shortly, so it may be Monday or Tuesday.
Jay
PS - My apologies to you Rick. Thought it was windier out there, but you would know since you had to freeze your butt off on the RC boat while we paddled in with the hole in our boat.... Funny how the insurance guy gets crashed into, isn't it? 
Good thing I wasn't a lawyer!
I think those conditions kept the amatures on the beach, but I agree with your comments about being cut in three with only a "sorry" to get the boat back together!
That was certainly a regatta to remember.
The funny part was the Shark Fleet. They all sat on the beach except the guy in last place.
When they saw that he won two races without them, they saw it all slipping away and hustled out for the last race to salvage it.
Of course, by that time the wind was under 15.
Tradewinds always seem to dish up something, don't they?
Rick