NAMBA membership provides you with liability and property damage coverage in the unfortunate event that your boat should be involved in an accident in which a spectator is injured or damage is done to someone else’s property. This coverage is $1,000,000 per occurrence and $2,000,000 aggregate. Of course, this does not cover damage done to another model boat in the normal course of running. This coverage is primary coverage, so you do not have to look first to your homeowner's policy for protection as is the case with some of the other boating organizations.
To ensure coverage, NAMBA members may only participate in running boats at NAMBA insured sites. NAMBA liability/property damage insurance is in effect any time a member is running a boat at a NAMBA insured site, not just during sanctioned events, as long as the member is observing all the NAMBA safety rules. Of course, keep in mind that you are also expected to be complying with all local and state laws and restrictions.
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