The OP asks "what do liveaboards do?"
In my experience we don't usually have insurance
, and find a haulout site that doesn't require it. The size of your boat would seem to make this difficult however because of the limited choices in hauling out.
I checked about five places in and around Brisbane
before settling on Montys at Caboolture. They're currently full though, with at least three more yachts waiting to get in that I know of personally.
They can barely handle a 50'er and getting up the river requires a king tide if you have any draft
at all. Fortunately for me I'm sailing a bilge