Yes, you are insured at your marshalling point because you have to be there and your safety there is the clubs responsibility. Stepping on to the track to marshal it is assumed you have enough sense to not step out in front of an approaching car, in the same way you won't be able to claim on the drivers insurance if you deliberately step out in front of a 1:1 car.
You need BRCA membership to insure you while you are driving, if your car shoots off and injures someone or something such as the 1:1 cars around the track, your BRCA insurance will cover it.
If you think that if you can't work you could end up losing your house, then you should already have your own personal accident insurance which would cover being hit by an r/c car. After all, breaking an ankle by an r/c car on a track hitting you is no different to being hit by a stray r/c car hitting you in a car park or even breaking an ankle by tripping on some stairs.
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