David has a good point: Are we done yet?

Collect proof of insurance, if nothing else at international events.

Hosts of Hobie NAs go through a lot of work to make insurance available in the event someone shows up without (they can pay to play, even just for the week). This is a step above and beyond, in the interest of helping our fellow sailors. They're not allowed on the water without meeting the minimum requirement, and we don't want to send them home without giving them the chance to have insurance to race.

Waivers are probably fine for everything else (sign here to verify that you're inured...).

If someone cancels their insurance, or photoshops something, or lies, or whatever, that's the individual being fraudulent.

Mike