The following extract is from our insurers, who cover many UK hashes. Liability insurance is vital for us as we always take the risk of causing damage, unintentionally, to crops, livestock, fences and buildings, on hashes and on events. We all have a role to play in insuring that our insurance is valid by acting within the terms. Please read on......

UK HASH HOUSE HARRIERS PUBLIC LIABILITY INSURANCE - EXTRACT

"Unfortunately the scheme has paid a significant claim this year which has affected the rate per club which we have been able to negotiate. The claim concerned an unidentified dog accompanying a run. The club admitted they did have dogs with them, although they were not aware that they had ruined a crop or worried sheep. We would ask that in future, any members bringing dogs are identified so that any future third party claims need to be directed to the individual. Also please do not allow stray dogs to join runs.

For any new members to the scheme and any clubs renewing their policy, a summary of the cover is as follows: The policy covers a Club's Public Liability, i.e. liability to Third Party Persons and Property arising out of your activities up to an indemnity limit of £2,000,000. Additionally, the policy also includes Member to Member Liability which will cover members liability to each other whilst undertaking Club events, and includes social events such as birthdays and wedding parties organised by the Club, providing that there are no more than 200 persons attending each event.

As always, I would remind all clubs that insurers do check websites, and ask that clubs manage their websites responsibly so as not to advertise salacious or compromising behaviour, from an insurers point of view."

Threepenny Bits and Tonto