I know it won't help you, OP, but for Canadians in the same situation, Pacific-Marine (PMU-express) offers exactly what you are requesting. Mostly Liability insurance
with no survey
. Intended for older boats of little value. One phone
call, a few question, a credit card, and they email
a pdf of your proof of coverage. I've never had a claim, but it seems legit.
Access Express | Pacific Marine Underwriting Managers Ltd.