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If you have to get an answer to that question then yes you need insurance. No licenses are needed to sail, but endorsements are encouraged seeing as I have crossed tacks with to many novices in my time.
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97 XR600R Honda Dual Sport Motorcycle
98 18' Avon RIB w/ 90 HP 4 stroke Yamaha
95 TDI Passat VW Wagon
05 2500 140" sprinter van w/ v3 frybrid kit
08 Laser Pro #194171
Sail Smart, Sail Hard, Then think about Sailing Fast !!!!!
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Some day I will sell everything, buy a 50 ft sailboat, and turn left at the Columbia River Bar
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