Liability insurance protects organisers against claims resulting from accidents or injuries during the event. It is highly recommended or mandatory in many places.
Level-Specific Guidance
| Level | Advice on Permissions | Insurance Guidance | Additional Tips |
| A – Active Orienteering Scene, No MTBO | Local orienteering federations usually have established relationships with landowners and can assist in obtaining permits. Use existing channels to secure permissions. | Often covered under the national federation’s insurance policies. Verify what coverage exists and if additional MTBO-specific coverage is needed. | Work closely with FootO clubs who may have experience with permits and insurance; adapt their templates and agreements. |
| B – Some Orienteering Experience, No MTBO | May need to approach landowners and authorities directly, possibly without federation support. Start early and provide clear event details to build trust. | Insurance may be less common; consider purchasing event-specific liability insurance from a local insurer. Alternatively, use participant waivers and informed consent forms. | Engage local sports councils or MTB clubs to share contacts and knowledge. Consider simple public liability policies and clear participant communication about risks. |
| C – No Formal Orienteering, Some Navigation Experience | Permissions might be informal, especially in remote or private areas. Prioritize building relationships with landowners and local community groups. | Insurance may be rare or unavailable. Emphasize participant responsibility via waivers and safety briefings. Consider organising smaller, informal events to build a reputation first. | Work with local scouts, military, or outdoor education groups who may have experience with permissions and safety. Document all agreements carefully. |