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Arranging a walking group outside work hours
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Some of my work colleagues want to organise a walking group to go on walks at weekends (working hours are Monday - Friday 9am-5pm). The idea is to promote health & wellbeing amongst staff however there would be no compulsion for staff to go on them and the only links to work would be that all the walkers would be work colleagues; the group would be advertised through work; and that it is being organised by one of our colleagues who is on the staff forum.
Would we need public liability insurance?
I am already part of a walking group which is completely independent of work, in my spare time and which anyone can come on and that group has no insurance.
Thanks
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Rank: Super forum user
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I guess an insurance expert will have an opinion.
Seems to me to be an entirely voluntary and free of choice leisure activity.
You might as well be a bunch of people who met down the pub.
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Rank: Forum user
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No I really don't think so.
Its no different from someone putting up a sign on a noticeboard at work saying "fancy joining us all for a pint after work on Friday".
But Individuals would still have some responsibility for each other - so lets say one person selects a route but makes no allowance whatsoever for the ability and experience of a novice walker. That walker gets left behind on the walk and subsequently falls off a cliff. THen I think reasonably there'd be questions of negligence to answer. But that's an issue between the individuals not something that the company would get involved in.
If they were going into hilly or remote terrain I think it would be good practice though for there to be a written plan for the activity - much the same as you would produce if you were doing a walk with a group of children. YOu'd set out the start and end points, the route, estimated timings, arrangements for transport and food, contact numbers and estimate how "difficult" the walk was and so on. That's just basic good practice.
If the walking group used a company vehicle to get to and from their start point then obviously correct insurance for the vehicle and driver would be needed.
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Rank: Forum user
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Totally agree Ian, arranged by a group of friends not the employer and therefore no insurance requirements from their perspective.
How would any insurance cover the activity anyway - public land presumably being walked, out of the control of the employer - even if they had arranged.
You could choose to help and advise the group to assess the walk for any risks (i.e. local cider drinking hoodies, trip hazards etc.) prior to them completing it and advise them to nominate two walk leaders - one at the front to lead and one at the back, to walk as slow as the slowest walker to improve safaty generally if you choose, but this walk is not the employers responsibility on this occasion I believe.
Pete,
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Rank: Super forum user
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Rank: Forum user
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Thank you for your responses so far. In terms of completing a written plan and advising the group appropriately I think this is good advice and something I was intending to do if the group is created.
At what point do you think it becomes an activity arranged by work and therefore work potentially liable if something were to happen? Would advertising it through staff forum make the employer more liable?
One of my managers is of the opinion that insurance of some sort would be required and that is understandably putting people off. Something I would hate to happen as it's potentially another reason to give health & safety a bad name.
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Rank: Forum user
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Please please don't go down the route of "conkers bonkers". You certainly don't need insurance and don't speak to any Insurance company, who will tell you otherwise !
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Rank: Forum user
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Ali Sooltan wrote:Please please don't go down the route of "conkers bonkers". You certainly don't need insurance and don't speak to any Insurance company, who will tell you otherwise !
That is definitely a route I do not want to go down but I can feel my manager trying to steer us that way!
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Rank: Forum user
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Would there be any difference if it was done during the (unpaid) lunchtime hour and was badged up as a 'walking club'? I assume not.
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Rank: Forum user
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Whether or not the Employer could be held liable for the activity is a matter for the courts irrespective of the insurance position - insurance covers the legal liability of the policyholder and not the other way round.
I would mention however that most commercial Public Liability policies include cover for employee sports and social activities - check the policy wording.
As individuals, everybody walking should have personal liability cover on their household insurance policy.
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Rank: Super forum user
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I would have thought that since this is something to be done outside of working hours, away from the workplace, and not in the course of employment, it is nothing to do with the company, and the question of insurance is something for the walking group to consider in its own right. You might want to see what organisations like the Ramblers Association do, but I would have thought taking out insurance is a bit over the top (but it depends on where you are planning on walking, I suppose).
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Rank: Super forum user
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Just enjoy the walk - volenti not fit injuria for Christ's sake.
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Rank: Forum user
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No to EL insurance, but depends how far you want to go with it, some associations i.e. Ramblers, provide some insurance cover to clubs joining their society. I'm in a mountaineering club and we get some accident cover by being a part of the British Mountaineering Society - this seems sensible to me as a fall up the mountains could have some serious consequences and if you don't get sick pay or have personal injury insurance :(
Colin
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Rank: Super forum user
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I think it is sensible to take out insurance particularly if you are walking in hills and mountains.
I like the other approach, go to the gym and walk on the tread mill then if you get tired you don't have to walk back. Some people however have complained about me putting my picnic blanket down and enjoying lunch, spoil sports I call them and some of the birds are better.
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Rank: Super forum user
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Invictus wrote:I think it is sensible to take out insurance particularly if you are walking in hills and mountains.
I like the other approach, go to the gym and walk on the tread mill then if you get tired you don't have to walk back. Some people however have complained about me putting my picnic blanket down and enjoying lunch, spoil sports I call them and some of the birds are better.
And they don't let you take the treadmill outside so that you can enjoy the fresh air.
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Rank: Super forum user
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biker1 wrote:Invictus wrote:I think it is sensible to take out insurance particularly if you are walking in hills and mountains.
I like the other approach, go to the gym and walk on the tread mill then if you get tired you don't have to walk back. Some people however have complained about me putting my picnic blanket down and enjoying lunch, spoil sports I call them and some of the birds are better.
And they don't let you take the treadmill outside so that you can enjoy the fresh air.
Why would i need to take it outside I will get fresh air going to the gym and leaving it, I don't live in a bubble.
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Rank: Super forum user
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Invictus wrote:I think it is sensible to take out insurance particularly if you are walking in hills and mountains.
Just what are you taking an insurance policy out for? Injury/ill health - loss of earnings? Some companies offer private health care benefits to employees.
Insurance to cover rescue costs? Not strictly necessary as ambulances etc are part of NHS costs paid for by taxes.
Insurance for loss of earnings you might already have via life insurance cover.
Its a voluntary walking club - so no commercial gain, which would require insurance.
As others have said basic route planning would be sensible - but overall its 'volenti no fit injuria'
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Rank: Super forum user
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Ian Bell2 wrote:Invictus wrote:I think it is sensible to take out insurance particularly if you are walking in hills and mountains.
Just what are you taking an insurance policy out for? Injury/ill health - loss of earnings? Some companies offer private health care benefits to employees.
Insurance to cover rescue costs? Not strictly necessary as ambulances etc are part of NHS costs paid for by taxes.
Insurance for loss of earnings you might already have via life insurance cover.
Its a voluntary walking club - so no commercial gain, which would require insurance.
As others have said basic route planning would be sensible - but overall its 'volenti no fit injuria'
Oh sorry silly me didn't realise taking out personal insurance that will cover salaries etc was a stupid idea. Some people take it out to ensure that if they are hurt and cannot work and they go past any full wage sick benefit they are covered and recieve through the insurance full salarie.
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Rank: Super forum user
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Its not silly idea, as such - depending on your own insurance circumstances, you might already have some cover for loss of earnings - that was my point.
If you already have such cover, I don't see what extra insurance is required.
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Rank: Super forum user
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Ian Bell2 wrote:Its not silly idea, as such - depending on your own insurance circumstances, you might already have some cover for loss of earnings - that was my point.
If you already have such cover, I don't see what extra insurance is required.
Invictus is unable to respond to your post as he is not insured to do so
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Rank: Super forum user
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RayRapp wrote:Just enjoy the walk - volenti not fit injuria for Christ's sake.
HaHa - Topical mis type or intended ?
"non" !
Chris
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Rank: Super forum user
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Ian Bell2 wrote:Its not silly idea, as such - depending on your own insurance circumstances, you might already have some cover for loss of earnings - that was my point.
If you already have such cover, I don't see what extra insurance is required.
Years ago I took out extra cover in case I was hurt, I was I came of a push bike after being hit by a car, I recieved full pay but because I was insured serparately I also recieved a £1000 a month from the insurance. So it paid off.
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Rank: Super forum user
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chris42 wrote:RayRapp wrote:Just enjoy the walk - volenti not fit injuria for Christ's sake.
HaHa - Topical mis type or intended ?
"non" !
Chris
Freudian slip!
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Arranging a walking group outside work hours
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