Boat insurance

I have quotes for geico, State Farm, Progressive and ski us. Now for the problem, Given that I am blind and no longer have a driver’s license. All except for ski us will only quote my father as a primary policy holder wile rendering me as a secondary holder. For obvious reasons I don’t like the idea of my folks having any liability or sense of responsibility for my actions. Other then the bank, I am the sole owner. Any suggestions, companies or ideas would be greatly appreciated.