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Suitable policies for sporting sailors/regatta sailors

As long as no damage was intentionally made at a regatta, then this is usually covered by liability insurance. However, exceptions may arise if damage to your own boat occurs (regardless of whether a third party was involved or not).
Owners of dinghies or yachts should check whether regatta risk is safeguarded (and if so, which regions). If it is not safeguarded, then this can usually be upgraded for a fee.