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Robert Gibson  
#1 Posted : 12 July 2016 13:41:02(UTC)
Rank: Forum user
Robert Gibson

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
Ian Bell2  
#2 Posted : 12 July 2016 14:19:56(UTC)
Rank: Super forum user
Ian Bell2

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.
RichardPerry1066  
#3 Posted : 12 July 2016 14:30:44(UTC)
Rank: Forum user
RichardPerry1066

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.
peterL  
#4 Posted : 12 July 2016 14:37:42(UTC)
Rank: Forum user
peterL

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,
martin1  
#5 Posted : 12 July 2016 14:41:40(UTC)
Rank: Super forum user
martin1

Just walk.
Robert Gibson  
#6 Posted : 12 July 2016 14:45:58(UTC)
Rank: Forum user
Robert Gibson

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.
Ali Sooltan  
#7 Posted : 12 July 2016 14:49:41(UTC)
Rank: Forum user
Ali Sooltan

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 !
Robert Gibson  
#8 Posted : 12 July 2016 14:52:28(UTC)
Rank: Forum user
Robert Gibson

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!
Robert Gibson  
#9 Posted : 12 July 2016 15:11:52(UTC)
Rank: Forum user
Robert Gibson

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.
Mr Insurance  
#10 Posted : 12 July 2016 15:12:26(UTC)
Rank: Forum user
Mr Insurance

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.
biker1  
#11 Posted : 12 July 2016 17:23:35(UTC)
Rank: Super forum user
biker1

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).
RayRapp  
#12 Posted : 12 July 2016 21:57:21(UTC)
Rank: Super forum user
RayRapp

Just enjoy the walk - volenti not fit injuria for Christ's sake.
ColinT  
#13 Posted : 13 July 2016 12:29:54(UTC)
Rank: Forum user
ColinT

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
Invictus  
#14 Posted : 13 July 2016 14:33:11(UTC)
Rank: Super forum user
Invictus

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.
biker1  
#15 Posted : 13 July 2016 16:01:35(UTC)
Rank: Super forum user
biker1

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.
Invictus  
#16 Posted : 14 July 2016 09:50:16(UTC)
Rank: Super forum user
Invictus

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.
Ian Bell2  
#17 Posted : 14 July 2016 09:56:42(UTC)
Rank: Super forum user
Ian Bell2

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'
Invictus  
#18 Posted : 14 July 2016 10:01:49(UTC)
Rank: Super forum user
Invictus

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.
Ian Bell2  
#19 Posted : 14 July 2016 10:58:15(UTC)
Rank: Super forum user
Ian Bell2

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.
WatsonD  
#20 Posted : 14 July 2016 11:10:02(UTC)
Rank: Super forum user
WatsonD

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
chris42  
#21 Posted : 14 July 2016 11:11:13(UTC)
Rank: Super forum user
chris42

RayRapp wrote:
Just enjoy the walk - volenti not fit injuria for Christ's sake.
HaHa - Topical mis type or intended ? "non" ! Chris
Invictus  
#22 Posted : 14 July 2016 11:22:19(UTC)
Rank: Super forum user
Invictus

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.
RayRapp  
#23 Posted : 14 July 2016 11:28:22(UTC)
Rank: Super forum user
RayRapp

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!
paul-ps  
#24 Posted : 14 July 2016 16:26:26(UTC)
Rank: Forum user
paul-ps

martin1 wrote:
Just walk.
+1
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