Good standard answer.... But insurance and legal liability are not the cutting issue here.

We don't and can't sweep the beachcat fleet in a distance race. Often, the OA often has no one on the water and so the issue for the OA jumps to a more difficult level of decision.

So... we have two kinds of races... Steeplechase and Great Texas where the OA and sailors can make a decision each day of the race and the impact is just on cat sailors.
VS
In something like the MKL or the Chesapeake Race to Oxford with many monohull boats which meet PHRF safety regulations for the type of racing ....a monohull competitor would have had to drop out to rescue the Hobie 16 had they discovered the situation. There is no question for the monohull, they will render assistance... But

The OA does not have to accept entries from Beach Cats....so IMO... we need to think about how WE manage the issue when the safety standards are so different between beachcats and the rest of the fleet.

When I set up the big races with monohulls... I delivered the message that the big monoslugs are NOT our safety backup plan!
This was to both the OA and the Beach cat racers.

Beachcats are included in these big PHRF races because I leveraged a request from the J22 fleet to participate in the race. J22's do not meet the PHRF safety standard and so they also needed a waiver.... In the end... the J22 fleet decided against racing but we have had a great run of races.

So far, it has been working.... just a few requests for redress for the monohulls bailing out a cat sailor or two.