All those participating in the 2024/25 Polar Bear Racing Series do so at their own risk, and by submitting this entry form, the skipper and crew of each entered yacht specifically agrees to indemnify and hold harmless the Vancouver Rowing Club, its members, its organizers and its respective agents, officials, servants and representatives from and against all claims, actions, costs, expenses and demands in respect to death, injury, loss or damage to any person or property, howsoever caused arising out of or in connection with such skipper or his crew or her crew taking part in this event, notwithstanding that the same may have contributed or caused or occasioned by the negligence of the same bodies, or any of them, or their agents, officials, servants or representatives. In addition, the Skipper represents that he/she has read and understands the Racing Rules of Sailing and that a valid certificate of insurance indicating public liability coverage, which for Canadian yachts shall not be less than $2,000,000.00, is carried on board the yacht. We request that non-VRC members submit a copy of your insurance to the VRC office along with your entry form.