Seajet
...
'Club' being the key word. That club is a legal entity and carries insurance. We're just a bunch of people on a web forum, and I doubt that IPC would want to underwrite any claim made against the 'organisers' of any event organised on it.
Organising restaurants is less risky, but I've not been to Poole before didn't bother. Colhel lashed up a great night out in the end though. ;-)
Russell,
good luck trying to claim against any club, if something goes wrong on a boat, novice cruise, rally or not it has to come down to the individual skipper - as far as I know there's not usually someone holding a gun to their head or saying ' you MUST come along or else ' !
Organised races are a different matter, if a serious race it is wise to check insurance.
I checked my insurance - Haven - re occasional casual cruiser races and it was OK, but if something had happened racing around Alderney in a F8 they would have been justified to raise eyebrows.
I think you are worrying too much about the legal side; if true novices are involved someone has to give a bit of assistance / guidance and dare I say it leadership, that doesn't mean bullying people to go along, it must be emphasized that's their choice with no micky taking if they decide no.