Liability and insurance – The safety of the boat and her entire management including insurance requirements shall bethe sole and inescapable responsibility of the owner or helm in charge who must ensure that the boat and crew areadequate to face conditions that could arise during the event. Neither the organizing authority (the Club) their officers, officials or volunteers shall be responsible for any loss, damage, death or personal injury however caused as a result of any person taking part in the event. Each owner/person in charge is responsible for ensuring that the competitor and boat sailed in this event/series hold adequate third party insurance cover to a minimum of £ 2,000,000 (Sterling) per incident as set out in the Notice of Race.