| Category 1* | Category 2* | Category 3* | Category 4* | |
| Lowland Leader | Rock Climbing Instructor | International Mountain Leader | Mountaineering and Climbing Instructor | |
| Hill and Moorland Leader | Mountain Leader | Winter Mountain Leader | Winter Mountaineering and Climbing Instructor | |
| Climbing Wall Instructor | Rock Climbing Development Instructor | |||
| Climbing Wall Development Instructor | Irish Multi pitch qualification | |||
| The policy benefits | ||||
| Public and products liability - £5,000,000. | Yes | Yes | Yes | Yes |
| Professional indemnity - £5,000,000. | Yes | Yes | Yes | Yes |
| Cover for technical advice such as expert witness and acting as an AALA Inspector. | Yes | Yes | ||
| Geographical limit - United Kingdom and Ireland. | Yes | Yes | ||
| Geographical limit - Worldwide (exc. USA and Canada) in respect of IML. | Yes | Yes | ||
| Employers liability - £10,000,000. | Optional | Optional | Optional | Optional |
| Personal accident insurance Covering, for example; physiotherapy, broken bones, chiropractic treatment. |
Optional | Optional | Optional | Optional |
| Cover for the delivery of first aid courses. | Optional | Optional | Optional | Optional |
| Cover for Coasteering, Gorge Walking and Ghyll Scrambling. (Provided these activities only make up to 20% of your turnover.) |
Optional | Optional | Yes | |
| Cover for mountain or fell running. (Provided your qualification includes this and cover is selected) |
Yes | Yes | Yes | Yes |
| Cover for Route Setting. (For holders of CWI, CWDI, RCI, RCDI, MCI and WMCI only) |
Optional | Optional | Optional | Yes |
| Cover for Trainee Winter Mountaineering and Climbing Instructor. | Optional | |||
| Cover for Caving and Mining exploration. Available to instructors who hold British Caving Association awards. |
Optional | Optional | Optional | Optional |
*Insurance cover in a Category below your ‘highest’ qualifications held may be selected if all your work falls within the remit of that lower category qualification, should you hold that qualification.
For example: An International Mountain Leader or Mountain Leader (Winter) who is working wholly within the remit of the Mountain Leader qualification can select Category 2 cover.
For example: A Mountaineering and Climbing Instructor who is working wholly within the remit of the Climbing Wall Instructor qualification would only need Category 1 cover.
| Category 1* | Category 2* | Category 3* | Category 4* | |
| Lowland Leader | Rock Climbing Instructor | International Mountain Leader | Mountaineering and Climbing Instructor | |
| Hill and Moorland Leader | Mountain Leader | Winter Mountain Leader | Winter Mountaineering and Climbing Instructor | |
| Climbing Wall Instructor | Rock Climbing Development Instructor | |||
| Climbing Wall Development Instructor | Irish Multi pitch qualification | |||
| The policy benefits | ||||
| Public and products liability - £5,000,000. | Yes | Yes | Yes | Yes |
| Professional indemnity - £5,000,000. | Yes | Yes | Yes | Yes |
| Cover for technical advice such as expert witness and acting as an AALA Inspector. | Yes | Yes | ||
| Geographical limit - United Kingdom and Ireland. | Yes | Yes | ||
| Geographical limit - Worldwide (exc. USA and Canada) in respect of IML. | Yes | Yes | ||
| Employers liability - £10,000,000. | Optional | Optional | Optional | Optional |
| Personal accident insurance Covering, for example; physiotherapy, broken bones, chiropractic treatment. |
Optional | Optional | Optional | Optional |
| Cover for the delivery of first aid courses. | Optional | Optional | Optional | Optional |
| Cover for Coasteering, Gorge Walking and Ghyll Scrambling. (Provided these activities only make up to 20% of your turnover.) |
Optional | Optional | Yes | |
| Cover for mountain or fell running. (Provided your qualification includes this and cover is selected) |
Yes | Yes | Yes | Yes |
| Cover for Route Setting. (For holders of CWI, CWDI, RCI, RCDI, MCI and WMCI only) |
Optional | Optional | Optional | Yes |
| Cover for Trainee Winter Mountaineering and Climbing Instructor. | Optional | |||
| Cover for Caving and Mining exploration. Available to instructors who hold British Caving Association awards. |
Optional | Optional | Optional | Optional |
*Insurance cover in a Category below your ‘highest’ qualifications held may be selected if all your work falls within the remit of that lower category qualification, should you hold that qualification.
For example: An International Mountain Leader or Mountain Leader (Winter) who is working wholly within the remit of the Mountain Leader qualification can select Category 2 cover.
For example: A Mountaineering and Climbing Instructor who is working wholly within the remit of the Climbing Wall Instructor qualification would only need Category 1 cover.
