Boatigo trips are normal recreational boating trips and you are responsible for any and all insurance that are required by law when taking your vessel out on the water. You should carefully consider what insurances are necessary given your circumstances.
Boatigo recommends that you speak to your insurance company and confirm that your coverage is adequate for your needs. You could advise them that you will be using your vessel for normal recreational trips and may have some people come with you from time to time that make a contribution towards running costs for the trip but not at a profit. In exactly the same manner as a carpool operates - except with a boat.
For more information on calculating your trip running costs see our article here.