Tough call. Maybe discuss with some of your local Aero sailors looking at the boat?
Is it a place where you jump in/out of the boat, creating more stress risks.
If not particularly stressed in that area, and you're reasonably confident in doing a local repair, and the boat is otherwise in good nick, then you could maybe flatten/grind/sand off a small surrounding patch of non-slip, mask off and apply a small local repair, not invisible, just a temporary protective repair (a boat builder will grind this back later anyway).
Mark the end extents of the cracks, and monitor. If they start to extend, off to the boat builder straight away. .
Otherwise, finish your sailing season, save up your boat builder repairs until you have a few dings and chips, then get them done all at once?
If you're not confident, just go straight to a boat builder.
And if you're planning to sell the boat soonish, obviously you want to keep her looking nice, not just functional.
As for insurance, I'd be surprised if a professional repair, for this small damage, were to to be quoted much if any more than the insurance excess.