you would need alot more capitol then 3 or 4 Mil to get something like that going. I would think atleast 50 million to get rolling. Until you build up a pretty large client base you are at a huge risk. The safety comes in numbers in that buissnes. I don't know if a company that only insured high performance boats could survive long enough to make it work. The initial risks are huge. You want your risk spread out over thousands of policies if not more, to make it work I think you would need to write policies for just about every performance boat out there. The reason Sate farm and other companys don't want to get into it, is that they don't think they can write enough policies to spread the risk out enough to make it a safe investment. Just my 2 cents.