Beach front property is valuable .. The owner wants to be named on the policy. You don't have a beach access problem... you have an "I don't wanna pay the going market rate problem".

From what i remember, the distance races in Florida had a similar issue with liability coverage for the property owner....

You could form one organization, Incorporate so nobody has personal assets standing behind your insurance policy, buy the policy, write the registration checks to that organization and you can run regattas every weekend. Usually costs you 50 bucks to add a named landowner to the policy. (and it covers your liquor liability)