Well, that’s the reason for the question, it’s all adults, participating with their own equipment, so I wouldn’t have thought the many organisers of small competitions all over the country would be liable, but it would be good to know for sure. I’ve tried looking on the web, but all that points to is companies that will sell insurance, but I’m not likely to pay for insurance (nor are many other organisers) as we get nothing from organising the competitions (apart from being able to take part paying the same entry as the others).