NSWRA is covered by public liability insurance that has been taken out by the Australian Rogaining Association. A copy of the insurance policy is available on the Insurance Documents page of the ARA website.
The officials of NSWRA are also covered by Director's insurance to ensure that they are not held personally liable for financial issues relating to NSWRA.
Individual participants are however not covered for personal injury and such things.
If you have any questions or comments, contact the secretary.