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I would not purchase a policy that had a specific exclusion for coverage for all participants. I would want a policy that protects me against all third party claims, ie all players, by-passers etc. There is also a big difference between the type of policy you need if you are running a business that is open to the public, one that is invite only (but still charging) and one that is just for you and some friends who are not being charged for profit.
Waivers are a deterrant to the legally uneducated only. When someone calls me with a good claim but says they signed a waiver, I say "come on in, there's a way around that for sure."
LD
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When the elephants fight, it is bad for the grass. When the elephants make love, it is also bad for the grass.
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Kenyan Proverb
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