In reply to tehmarks:
Probably not many/any yet fortunately, however in the past a solicitor has sued their mountain bike instructor for £3 million for falling off their bike (https://dirtmountainbike.com/news/paralysed-solicitor-sues-mountain-bike-in...) and climbing walls have been sued for broken ankles... https://www.ukclimbing.com/news/2012/03/court_rules_against_climbing_wall_i...
I give you the following scenario. Debbie takes her team up for a walk up the Ben. One of them falls and breaks their ankle. Being a solicitor, he sues, claiming that the risks were not made clear to him and that Debbie should be liable. Rightly or wrongly, if this goes to court and Debbie has no protection, she is likely to be financially ruined.
I'm really glad that this kind of court case doesn't seem to happen very often, especially since most regular hill walkers understand the risks and accept them, but if I was taking a group of inexperienced people up a hill, especially as part of an organised event, I'd want cover. The £20 or so it costs to join the BMC to get the cover would be well worth it to me for the peace of mind.
I'm just glad that the climbing community in general are understanding enough of the risks that they don't resort to these tactics. Legally they probably could.
Post edited at 10:29