Fell Running Insurance for Clubs, Coaches, Race Organisers and Outdoor Events

Specialist Insurance Support for Fell Running Clubs Coaches Race Organisers and Guided Sessions

From local fell-running clubs and independent coaches to guided sessions and organised races, insurance requirements can depend on the routes used, participant numbers, volunteers, employees, equipment and event responsibilities.

Quote Monkey can introduce suitable enquiries to a specialist broker who can consider the complete declared operation. Routes, terrain, coaching, races, volunteers, equipment and materially different outdoor activities should all be described accurately.

Request a Specialist Fell Running Insurance Quote

Clubs & Running Groups • Coaches & Route Leaders

Races & Events • Volunteers & Equipment

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Fell Running Clubs, Hill Running Groups, Coaches and Training Sessions

Insurance for Fell Running Clubs and Coaches

Fell-running organisations can range from small volunteer-led clubs to larger coaching businesses and structured training groups.

The specialist broker should understand whether the organisation runs social sessions, coached training, guided routes, races or a combination of these activities.

Fell Running Clubs

Clubs may organise:

regular group runs, structured training, club championships, skills sessions, social runs, race preparation.

and member events.

Hill Running Clubs

Hill-running groups may use:

moorland, hills, tracks, trails, open countryside.

and mixed off-road terrain.

Mountain Running Groups

Some organisations run on steeper or more demanding terrain.

The actual routes and difficulty should be described rather than assuming all hill-running activity is equivalent.

Running Groups

Community or informal groups may organise regular off-road sessions without operating as a large formal club.

Club Membership

Clubs may operate:

annual memberships, subscriptions, online registration.

and organised training programmes.

Club Committees

Organisations may be managed by:

chairs, secretaries, treasurers, committee members.

and volunteer coordinators.

Fell Running Coaches

Coaches may provide:

one-to-one coaching, group sessions, race preparation, technique instruction, training plans.

and performance support.

Uphill Technique

Coaching may include:

climbing efficiency, pace management, movement.

and conditioning.

Downhill Technique

Some coaches provide instruction around descending technique and terrain management.

Group Coaching

Group sessions can involve runners with different abilities and experience.

One to One Coaching

Individual sessions may be delivered on tracks, hills, trails or other outdoor locations.

Training Programmes

Coaches may provide structured training plans alongside face-to-face sessions.

Remote Coaching

Some coaches may provide digital programmes, video calls or online feedback.

Route Leaders

Route leaders may plan and lead club runs across declared routes.

Run Leaders

Volunteer or paid leaders may coordinate group sessions.

Guided Running

Guided running providers may take participants over pre-planned fell or hill routes.

Participant Numbers

Typical and maximum group sizes should be declared accurately.

Volunteers

Volunteers may help with:

club sessions, registration, events, social activities, equipment.

and administration.

Employees

Larger organisations may employ:

coaches, administrators, event staff.

or activity leaders.

Freelance Coaches

Clubs or businesses may use freelance coaches where specialist expertise is required.

Professional Indemnity

Professional Indemnity may be relevant where paid coaches provide professional instruction, training plans or advice.

For a simple volunteer-led running club, Professional Indemnity is generally secondary unless professional coaching or advice is provided.

Fell Races, Event Organisers, Registration, Timing, Marshals and Volunteers

Insurance for Fell Running Races and Event Organisers

Race organisation can create materially different exposures from ordinary club training.

The specialist broker should understand how the event is planned, staffed, marked and supported.

Fell Race Organisers

Organisers may be responsible for:

entries, registration, course marking, marshalling, timing, checkpoints, start and finish areas, results.

and participant communications.

Club Races

Some events are only open to club members.

Public Races

Other races may accept entrants from outside the organising club.

Small Fell Races

Smaller events may use relatively simple registration and timing arrangements.

Larger Fell Races

Larger events can involve substantial participant numbers, equipment, volunteers and several course points.

Race Registration

Registration may involve:

participant lists, race numbers, payments, waivers or declarations where used.

and event information.

Online Entries

Online entry systems can be used for:

registrations, payments, participant data.

and communications.

Race Timing

Timing may be:

manual, electronic, chip-based.

or provided by a specialist supplier.

Timing Providers

Where timing is subcontracted, explain the organiser's relationship with the provider.

Checkpoints

Longer events may use:

checkpoints, marshal points, timing points.

or control locations.

Marshals

Marshals may assist with:

route direction, participant flow, checkpoints, start and finish areas.

and other declared tasks.

Volunteer Marshals

Many fell-running events depend on volunteer marshals.

Their roles should be accurately described.

Route Marking

Courses may use:

flags, stakes, signs, tape.

or other temporary markers.

Start Areas

The start area may include:

signage, barriers, timing equipment, registration desks, gazebos.

and participant gathering areas.

Finish Areas

Finish zones may also include:

timing equipment, results desks, refreshments.

and event staff.

Event Briefings

Organisers may provide pre-race briefings to participants.

Participant Communication

Important event information may be sent digitally before the race.

Race Results

Results may be produced on-site or published online.

Awards and Presentations

Some events include prize giving or presentations in a hall or other venue.

Event Equipment

Race equipment may include:

timing systems, radios, route signs, flags, cones, tables, gazebos, banners.

and registration equipment.

Subcontractors

Race organisers may subcontract:

timing, medical provision, toilets, catering, equipment hire.

or other support services.

The organiser's retained responsibilities should be declared.

Fell running race with runners marshals signage and timing equipment at an organised start area

Looking for Fell Running Insurance?

Whether you run a fell-running club, coach runners, lead group sessions or organise races, tell us how the whole operation works. Include routes, group sizes, coaching activities, race organisation, volunteers, marshals, equipment, online entries and any subcontracted services.

Request a Specialist Fell Running Insurance Quote

Routes, Terrain, Guided Sessions, Group Runs and Outdoor Activity

Insurance for Fell Running Routes and Outdoor Sessions

Fell running can take place across varied terrain, and the actual route should be considered rather than relying on a broad activity label.

Fell Routes

Routes may cross:

hills, moorland, tracks, paths, open countryside.

and mixed surfaces.

Hill Routes

Some routes involve substantial ascent and descent.

Mountain Routes

More demanding routes may involve steeper terrain and more exposed environments.

The specialist broker should understand the actual route and format.

Trail Sections

Fell-running routes can include:

woodland tracks, estate roads, public paths.

or other off-road sections.

Mixed Terrain

Some sessions or races may combine:

grass, rock, mud, paths, tracks.

and other surfaces.

Route Difficulty

The route length and difficulty can vary significantly.

Route Length

Short training routes and longer races may create different considerations.

Group Runs

Club group runs may be led by an experienced runner or coach.

Guided Sessions

Guided running businesses may lead clients over set routes.

Beginner Sessions

Some clubs or coaches provide entry-level fell-running sessions.

Experienced Groups

Other sessions may be aimed at more experienced runners.

Ability Groups

Clubs may divide runners into different groups.

Route Planning

Leaders may plan routes in advance based on:

distance, terrain, participant ability.

and event or club objectives.

Route Changes

Routes may sometimes need to change because of land access, conditions or operational requirements.

Landowner Permissions

Where activity requires specific landowner permission, this should be arranged appropriately.

Public Paths

Some routes may use rights of way or other publicly accessible paths.

Private Land

Where routes use private land, the organiser should explain the permission arrangements.

Road Crossings

Some fell-running routes may cross roads.

If marshals or specific crossing arrangements are used, these should be declared.

Group Supervision

The organiser should explain how groups are led and supervised.

Route Leaders

Route leaders may be employees, volunteers or independent providers.

Outdoor Activity

The focus remains on fell running and organised off-road running activity.

If a business also provides materially different outdoor activities, those should be declared separately.

Specialist Activities

Do not assume that climbing, scrambling, water-based activities or other adventure activities automatically form part of fell-running cover.

Hired Halls, Clubhouses, Home Administration, Offices and Online Activity

Premises and Administration for Fell Running Organisations

Although most physical activity takes place outdoors, clubs and organisers can still depend on indoor premises and digital systems.

Clubhouses

Running clubs may use clubhouses for:

meetings, briefings, equipment storage, social events.

and administration.

Hired Halls

Halls may be used for:

race registration, presentations, training briefings, meetings.

and awards.

Community Centres

Local running groups may hire rooms in community centres.

Sports Centres

Some clubs may use sports centres for:

meetings, indoor conditioning.

or other declared club activity.

Event Headquarters

A hall, club building or temporary facility may act as race headquarters.

Registration Rooms

Indoor registration areas may be used before outdoor events.

Offices

Larger organisers may operate dedicated offices.

Working From Home

Coaches and event organisers may manage:

accounts, entries, race planning, member administration, training programmes, communications.

and marketing from home.

Working From Home Insurance.

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Home Offices

Computers, participant records and timing equipment may be stored at a home office.

Online Membership

Clubs may manage memberships digitally.

Online Race Entries

Events may rely heavily on online entry systems.

Online Payments

Entry fees or membership subscriptions may be collected electronically.

Websites

Websites may contain:

event details, routes, results, club information, membership.

and training schedules.

Member Databases

Clubs may hold names, addresses, contact details and membership information digitally.

Participant Databases

Race organisers may store entrant data.

Email Systems

Email may be central to event communications.

Cyber Insurance

Cyber Insurance may be relevant where the organisation relies on:

online payments, race entry systems, member records, participant databases, websites.

and email.

Social Media

Clubs and organisers may use social media for:

event promotion, race updates, club news, training information.

and member engagement.

Timing Systems, Radios, Route Markers, Event Equipment, Storage and Goods in Transit

Insurance for Fell Running Event Equipment

Many clubs and organisers accumulate significant equipment over time.

Timing Systems

Electronic timing equipment can represent substantial value.

Timing Cases

Systems may be stored and transported in protective cases.

Laptops

Computers may be used for entries, timing and results.

Tablets

Portable devices may be used at registration or timing points.

Radios

Handheld radios may support communication between:

race headquarters, marshals, checkpoints.

and event teams.

Route Flags

Reusable flags may be used to mark sections of a course.

Signs

Signs may direct runners or identify checkpoints.

Stakes

Temporary marker stakes may form part of the course-marking equipment.

Cones

Cones may be used around registration, start or finish areas.

Banners

Event banners may form part of club property.

Gazebos

Gazebos may provide shelter at:

registration, timing points, checkpoints.

or finish areas.

Tables and Chairs

Portable furniture may be used at events.

PA Equipment

Some larger events may use microphones or speakers.

Registration Equipment

Registration property may include:

number boards, printers, stationery, signage.

and computers.

First Aid Equipment

Where the organiser owns general event first aid equipment, this should be declared.

Owning general first-aid equipment does not replace appropriate event medical arrangements.

Club Equipment

Running clubs may also own:

training cones, flags, signage, radios.

and equipment for sessions.

Business Contents

Business Contents may be relevant to property kept at offices, stores or club premises.

Portable Equipment

Portable equipment may need consideration away from the main location.

Home Storage

Small clubs may keep equipment at committee members' homes.

Garage Storage

Bulky property may be kept in garages.

Outbuilding Storage

Event equipment may be kept in suitable outbuildings.

Clubhouse Storage

Some organisations have dedicated storage rooms.

Commercial Storage

Larger race organisers may use rented commercial storage.

Self Storage

Self storage may be suitable for:

timing systems, flags, signs, gazebos, tables, cones.

and other event equipment.

Storage Insurance.

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Business Goods and Stock in Self Storage.

https://www.quotemonkey.co.uk/business-goods-and-stock-in-self-storage

Multiple Storage Locations

Equipment may be split between several volunteers, premises or storage facilities.

Goods in Transit

Goods in Transit may be particularly relevant where equipment moves regularly between:

storage, club premises, race starts, checkpoints.

and finish areas.

Vehicles

Cars or vans may be used to transport equipment.

Motor insurance should be arranged separately where required.

Equipment in Vehicles

Security and unattended-property restrictions may apply to equipment left in vehicles.

Security and unattended-property restrictions may apply.

Fell running event organisers preparing timing equipment route markers radios and race signage

Public Liability, Employers' Liability, Professional Indemnity, Cyber, Property and Business Interruption

Insurance Considerations for Fell Running Clubs and Businesses

The suitable insurance arrangement depends on whether the organisation operates as a club, coaching business, event organiser or combination of these.

Public Liability Insurance

Public Liability can be central where:

runners participate in organised sessions, events interact with members of the public, landowners or venues are involved.

or third-party property may be affected.

Participant Injuries

A participant may allege injury during a declared club session or race.

The circumstances and policy terms determine whether a claim is covered.

Third-Party Property Damage

Clubs or organisers may face allegations involving:

landowner property, hired premises, equipment.

or other third-party property.

Employers' Liability Insurance

Employers' Liability may be relevant where:

coaches, administrators, event staff.

or other workers are employed.

Volunteers

Volunteers can play major roles in:

marshalling, registration, timing, route marking.

and club activities.

Their duties should be declared accurately.

Professional Indemnity Insurance

Professional Indemnity may be relevant where coaches provide:

training plans, professional instruction, performance advice.

or other paid coaching services.

Business Contents Insurance

Business Contents may include:

computers, timing equipment, radios, office property.

and other equipment.

Portable Equipment

Event property often spends much of its working life away from its main storage location.

Goods in Transit Insurance

Goods in Transit may be relevant where event equipment moves repeatedly between races.

Commercial Property Insurance

Commercial Property may be relevant where a larger organisation owns or has responsibility for offices, club buildings or dedicated stores.

Business Interruption Insurance

Business Interruption may be relevant where insured damage to:

premises, timing systems, critical equipment.

or other insured property materially disrupts operations.

Cyber Insurance

Cyber exposure can arise through:

online entries, membership systems, payments, participant records, websites.

and email.

Online Systems

Digital entry and timing systems can be important to event operations.

Multiple Activities

A club may combine:

training sessions, races, coaching, guided runs, social activity.

and member events.

The complete operation should be declared.

Specialist Routes or Activities

More demanding terrain, unusual routes or materially different activities should be specifically disclosed.

Looking for Fell Running Insurance?

Whether you run a fell-running club, coach runners, lead organised sessions or manage races and events, tell us how the whole operation works. Include routes, group or race sizes, coaching services, volunteers, marshals, employees, equipment, online entries, storage and any specialist activities.

Request a Specialist Fell Running Insurance Quote

Frequently Asked Questions

What is Fell Running Insurance?▼

Fell Running Insurance is a broad description for insurance arranged around fell-running clubs, coaches, route leaders, race organisers and related outdoor running activities. The suitable arrangement can depend on routes, terrain, participant numbers, volunteers, equipment, events and professional coaching.

Can a fell-running club get insurance?▼

Fell-running clubs can be referred to a specialist broker. Explain the regular sessions, routes, member numbers, volunteer roles, races and any coaching activity.

Can a hill-running club get insurance?▼

Hill-running clubs may be considered where routes, terrain, group sizes and organised activities are accurately declared.

Can a mountain-running group get insurance?▼

Mountain-running groups may be considered where the actual terrain, route difficulty and activity format are explained.

Can an off-road running club get insurance?▼

Off-road running groups may be considered where their regular activities and routes are declared.

Can a fell-running coach get insurance?▼

Fell-running coaches may be considered for one-to-one and group coaching where the professional services and routes are described.

Can a hill-running coach get insurance?▼

Hill-running coaching may be considered where training, technique and route-based sessions are declared.

Can a route leader get insurance?▼

Route leaders may be considered where the group size, route type and supervision responsibilities are declared.

Can a guided running provider get insurance?▼

Guided running businesses may be considered where the routes, participant numbers and terrain are accurately described.

Can a running coach provide training plans?▼

Training plans may form part of declared professional coaching services.

Can remote fell-running coaching be insured?▼

Remote coaching and digital training support may be considered where it forms part of the business.

Can one-to-one fell-running coaching be insured?▼

Individual coaching may be considered where the service and location are declared.

Can group fell-running coaching be insured?▼

Group coaching may be considered where the group size, routes and coaching format are described.

Can uphill running technique be coached?▼

Uphill technique sessions may form part of declared fell-running coaching.

Can downhill running technique be coached?▼

Downhill technique may be considered where the route and coaching activity are declared.

Can race preparation be included?▼

Race-preparation coaching may form part of the wider professional service.

Can a fell-running club organise races?▼

Clubs may organise races where their event responsibilities are clearly described.

Can a public fell race get insurance?▼

Open-entry fell races may be considered where participant numbers, routes, volunteers and event arrangements are declared.

Can a club-only fell race get insurance?▼

Internal club races may be considered where the format and route are described.

Can a small fell race get insurance?▼

Smaller events may be considered where the course, participant numbers and organiser responsibilities are declared.

Can a large fell race get insurance?▼

Larger races may be considered, but the scale of entries, volunteers, equipment and course management should be fully explained.

Can fell-race registration be insured?▼

Registration activity may form part of the declared event operation.

Can online race entries be used?▼

Online entry systems may form part of the event's digital operations.

Can race entry fees be taken online?▼

Digital entry payments may be used where declared.

Can electronic timing be used?▼

Electronic timing systems may form part of a race where the equipment and provider arrangements are declared.

Can chip timing be used?▼

Chip-based timing may be considered where it forms part of the event setup.

Can timing be subcontracted?▼

Specialist timing providers may be used where the organiser's responsibilities are clear.

Can fell races use checkpoints?▼

Checkpoints and control points may form part of the declared course.

Can marshals be used?▼

Marshals may assist with route direction, checkpoints, start and finish areas and participant flow.

Can volunteer marshals be included?▼

Volunteer marshal duties should be described accurately as part of the event operation.

Can route markers be used?▼

Temporary route markers such as flags, signs and stakes may be used where appropriate.

Can a race use tape or signage to mark the course?▼

Temporary signage or marking may form part of the event where declared.

Can a fell race use a start area with equipment?▼

Start areas may include registration, timing, signage and event equipment.

Can a fell race use a finish area with timing equipment?▼

Finish areas may include timing systems, results equipment and staff.

Can organisers hold race briefings?▼

Pre-event briefings may form part of race organisation.

Can race results be published online?▼

Online publication of results may form part of the event's digital activity.

Can awards or presentations be held after a race?▼

Prize giving or presentations may be held in a hall or other suitable venue where declared.

Can fell-running events use subcontractors?▼

Timing, medical provision, catering, toilets and other services may be subcontracted where the organiser's responsibilities are explained.

Can medical providers be subcontracted?▼

External medical providers may support events where relevant.

Can portable toilets be hired for a race?▼

Temporary facilities may form part of event logistics where declared.

Can catering be arranged at a fell race?▼

Catering or refreshments may be provided by external suppliers where relevant.

Can fell-running routes cross moorland?▼

Moorland routes may be considered where the terrain and route are accurately described.

Can fell-running routes cross open hills?▼

Hill routes may be considered where the route difficulty and organiser responsibilities are declared.

Can fell-running routes use trails?▼

Trail sections may form part of a fell-running course or training route.

Can fell-running routes use tracks?▼

Tracks and estate roads may form part of declared routes.

Can routes include mixed terrain?▼

Mixed surfaces such as grass, mud, rock and track may be part of the route where declared.

Does route difficulty matter?▼

Route difficulty can be relevant and should be described accurately.

Does route length matter?▼

Distance can affect the nature of a session or event and should be declared where relevant.

Can beginner fell-running sessions get insurance?▼

Beginner sessions may be considered where the route, group size and supervision are appropriate and declared.

Can experienced fell-running groups get insurance?▼

Experienced groups may be considered where the routes and activity format are accurately described.

Can clubs split runners into ability groups?▼

Ability-based groups may form part of club organisation where declared.

Can routes use private land?▼

Private-land routes may be considered where suitable permission arrangements are in place.

Can routes use public paths?▼

Publicly accessible paths may form part of routes where appropriate.

Can routes cross roads?▼

Some routes may involve road crossings. Any marshal or event arrangements should be declared.

Can route leaders change the route?▼

Route changes may form part of operational planning where the final activity remains appropriately managed and declared.

Can landowner permissions be relevant?▼

Yes. Where specific permission is required, organisers should arrange it appropriately.

Can a fell-running club use a clubhouse?▼

Clubhouses may be used for meetings, storage, briefings and social activity.

Can a fell-running club hire a hall?▼

Hired halls may be used for registration, meetings, presentations or event briefings.

Can race registration take place indoors?▼

Indoor registration rooms may form part of an outdoor event.

Can a fell-running club use a community centre?▼

Community-centre rooms may be used for meetings and administration.

Can a fell-running club use a sports centre?▼

Sports centres may be used for meetings or other declared club activities.

Can a race have an event headquarters?▼

A hall, club building or temporary facility may act as race headquarters.

Can a fell-running organiser work from home?▼

Event organisers and coaches may handle accounts, entries, planning and communications from home.

Can a fell-running business use a home office?▼

A home office may contain computers, event records and small equipment.

Can a fell-running organisation use an office?▼

Larger event businesses or associations may operate from dedicated office premises.

Can fell-running clubs manage memberships online?▼

Online membership systems may form part of the organisation's digital activity.

Can fell races take entries online?▼

Online race entries may form part of event administration.

Can clubs take membership payments online?▼

Digital payments may be used for subscriptions and event fees.

Can fell-running websites be insured?▼

Website-dependent businesses may need broader cyber or online-business consideration where relevant.

Can Cyber Insurance be relevant?▼

Cyber Insurance may be relevant where the organisation relies on online entries, payments, participant records, memberships or websites.

Can member records be stored digitally?▼

Yes. Clubs may store member information electronically.

Can participant data be stored online?▼

Race organisers may hold entrant details digitally.

Can clubs use social media?▼

Social media may be used for club news, race updates and event promotion.

Can timing systems be insured?▼

Electronic timing systems may form part of the organisation's equipment requirement.

Can timing cases be insured?▼

Protective cases and associated equipment may form part of the overall property value.

Can laptops be insured?▼

Laptops used for entries, timing or results may require Business Contents or portable-equipment consideration.

Can tablets be insured?▼

Tablets may be used for registration and timing where declared.

Can radios be insured?▼

Handheld radios may form part of event equipment.

Can route flags be insured?▼

Reusable flags and markers may form part of club or event property.

Can event signs be insured?▼

Signs and other course-marking equipment may form part of the equipment requirement.

Can gazebos be insured?▼

Gazebos may be used at start areas, checkpoints or finish areas and may require equipment cover.

Can cones be insured?▼

Cones and similar event equipment may form part of club property.

Can banners be insured?▼

Event banners may form part of the organisation's equipment.

Can registration equipment be insured?▼

Printers, signs, boards, computers and other registration property may be considered.

Can PA equipment be insured?▼

Portable sound equipment may form part of the event setup where declared.

Can first aid equipment be insured?▼

General first aid equipment owned by the organiser may form part of Business Contents, subject to the arrangement.

Can fell-running equipment be stored at home?▼

Small clubs may store event equipment at committee members' homes where declared.

Can equipment be stored in a garage?▼

Garage storage may be considered depending on equipment values and security arrangements.

Can equipment be stored in an outbuilding?▼

Outbuilding storage may be considered where the property and location are declared.

Can a club store equipment at a clubhouse?▼

Dedicated clubhouse storage may form part of the organisation's premises arrangement.

Can commercial storage be used?▼

Larger organisers may use commercial storage for event equipment.

Can a fell-running club use self storage?▼

Self storage may be considered for timing systems, signs, flags, gazebos and other suitable event property.

Can equipment be stored at several locations?▼

Yes. Equipment may be split between homes, club premises and commercial storage.

Can Goods in Transit Insurance be relevant?▼

Goods in Transit may be relevant where timing systems, signage, radios and other event property move between storage and races.

Can equipment be transported in cars?▼

Event property may be transported in cars where appropriate, but vehicle insurance should not be assumed to be included.

Can equipment be transported in vans?▼

Vans may be used to carry larger quantities of event equipment.

Is equipment automatically insured when left in a vehicle?▼

Do not assume so. Security and unattended-property conditions may apply.

Does a fell-running club need Public Liability Insurance?▼

Public Liability can be a central consideration where members, participants, landowners or other third parties interact with club activities.

Does a fell-race organiser need Public Liability Insurance?▼

Public Liability may be relevant where participants and third parties interact with an organised event.

Can Public Liability be relevant to participant injuries?▼

A participant may allege injury during a declared event or session, subject to the circumstances and policy terms.

Can Public Liability be relevant to damage to landowner property?▼

Allegations involving third-party property damage may require Public Liability consideration.

Does a fell-running organisation need Employers' Liability Insurance?▼

This depends on whether employees are engaged and the applicable requirements.

Can coaches be employees?▼

Coaches may be employees, freelancers or independent providers depending on the business model.

Can administrative staff be included?▼

Administrative employees may form part of the organisation.

Can event staff be employees?▼

Paid event staff may be included where their roles are declared.

Can volunteers be included?▼

Volunteer duties may form part of the organisation's insurance requirements.

Can Professional Indemnity Insurance be relevant to fell-running coaches?▼

Professional Indemnity may be relevant where coaches provide professional instruction, training plans or performance advice.

Can training plans create professional-service exposure?▼

Yes. Paid training plans and advice may form part of the coach's professional services.

Can Business Contents Insurance be relevant?▼

Business Contents may be relevant to computers, timing systems, radios and other equipment.

Can portable equipment be insured?▼

Portable equipment may need consideration because it is regularly used away from storage premises.

Can Commercial Property Insurance be relevant?▼

Commercial Property may be relevant where a larger organisation owns or has responsibility for offices, stores or club premises.

Can Business Interruption Insurance be relevant?▼

Business Interruption may be relevant where insured damage to premises or critical equipment materially disrupts operations.

Can a fell-running club combine coaching and races?▼

Yes. Clubs may combine group runs, coaching and event organisation. The whole operation should be declared.

Can a fell-running business provide other outdoor activities?▼

Other materially different activities should be separately declared rather than assumed to fall automatically within Fell Running Insurance.

Can climbing or scrambling be included automatically?▼

No. Climbing, scrambling and other specialist activities should be specifically disclosed.

Can water-based activity be included automatically?▼

No. Water-based activities should be separately declared and considered.

What information is needed for a Fell Running Insurance enquiry?▼

Be ready to explain whether the organisation is a club, coach or race organiser, the routes and terrain used, group sizes, event participant numbers, employees, volunteers, marshals, coaching services, timing equipment, online entries, premises, storage and any specialist activities.

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