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.