choppa..when I was looking I got all the info from the cancer fund...you must sign with them that you absolve them from any and all liability..you must accept all risks if it makes a loss or if there is a claim against the organisers. I checked with my insurance broker and the insurance was very high as Steve mentioned..plus I was informed also that no disclaimer can go against a common law claim...I am not a lawyer but that was the advice I was given...so by then I decided it was not worth the risk and as Steve also mentioned..you need a lot of people to break even on the event. If there is some way around trhose items then it could be a good thing. I would hate to see someone lose everything because of a claim against them or the event runs at a big loss.