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You will need boating insurance if you intend to do any offshore boat racing. The company that provides you with this insurance should be the same as the one that holds your annual policy. Depending on where and how far you intend to race, your fees will vary. Additionally, your broker will need time to research the risk factors and come up with a quote. For this reason, you need to find a broker who is experienced with offshore boating a year or two before the race. Develop a rapport with him/her and get your annual insurance. By the date of the race, you will have proved yourself to have a safe track record and will ideally get a better rate for your race.