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Insurance

Public liability cover is provided as a benefit of Scottish Hill Runners membership.

This page gives a practical overview for runners and race organisers. Always rely on the current policy documents and forms provided by SHR for final requirements.

Policy summary

The SHR policy provides:

  • GBP 5 million public liability insurance
  • GBP 1 million professional indemnity insurance

The cover applies to SHR members, officers, and volunteer helpers in relation to hill running activities, subject to policy terms and conditions.

Who is covered

The cover applies to:

  • Race organisers who are SHR members
  • Race competitors who are SHR members
  • Identified marshals and helpers who are not SHR members

The policy is restricted to permanent UK residents, valid in the UK, and local UK law applies.

Scope and limitations

Insurance is intended for hill races in the conventional sense. Activities outside policy scope may not be covered.

Race organisers are responsible for checking that event format and event operations are compatible with policy terms before race day.

Race organiser requirements

To use SHR insurance for a race:

  • The organiser must be an SHR member.
  • The organiser must comply with SHR safety rules.
  • The organiser must complete and submit the insurance safety sign-off process in advance.
  • The organiser must provide event safety information and retirement procedures.

Competitor responsibilities

Competitors are responsible for their own safety in hill races and must:

  • Follow organiser instructions and event-specific rules
  • Carry mandatory and sensible personal kit for conditions
  • Follow retirement procedures if they do not start or abandon
  • Support other runners in difficulty

Key safety documents

Pre-race checklist

Use this quick checklist:

  • Confirm the race insurance route is in place
  • Read current safety rules and guidance
  • Check the latest forms and submit required sign-off
  • Ensure race-specific safety information is communicated

Current documents and forms

Current forms and policy documents are published on the SHR website download pages and may change by season. Always use the latest versions provided by SHR before your event.