I asked this question of Myers Briggs several years ago. They told me that if you have two bank accounts and two sets of officers... eg Hobie Fleet xx and Division.Y. then you have two groups. Therefore you need two insurance policies.

They addressed this question in a faq about regional sailing authorties and insurance for member clubs and published this info on the US Sailing web site.

This distinction makes sense to me because otherwise... why don't we say that NAHCA runs all of our races and insist we are covered under a single NAHCA policy.... why draw the line at the division.

The bottom line for me is ... unless you write your check to Hobie div XX for the regatta that the division officers are running you have two clubs and need two policies.

Perhaps John Williams has more information concerning how Hobie Divisions, Hobie Fleets and Unaffiliated catamaran clubs can choose among the policies and have confidence that they are indeed insured.

Take Care
Mark