Deltasierra,
Luckily we don’t have insurance issues like that in Canada. Almost all gliders are insured through the Soaring Association of Canada, so if you are qualified and a gliding club member, you can fly any glider. The hull and any personal liability is covered under the SAC’s policy.
As an aside the same thing applies to cars. I can let anybody with a licence drive my car. It used to amuse me that when I visited my mother in Dorset, she had to contact her insurance agent and get temporary cover for me!