Hi all, 

Every year we take our team abroad for a Christmas party, where we provide activities, accommodation and food for a weekend. This year we're taking everyone to a skiing resort where we will be doing various activities that has been paid by us. However, skiing is not an activity we sponsor BUT there will be enough time for people to rent their own equipment and go skiing for a bit. 

Does anyone have any experience in regards to this? If an accident was to occur, would we as the employer be liable as we have arranged the weekend even though we did not arrange for the skiing? 

We do have a business insurance and I'm looking into if it covers us for high risk activities or not.. if not I may..

1. Buy an additional insurance for the team that weekend

2. Create a disclaimer that people have to sign and ask them to be prepared with their own travel insurance

Could anyone please provide some thoughts and input?

Thanks, 

Tess