Thanks for your comment. I followed up my concerns with the insurance company:
Q: If a participant were to seek compensation (by legal action) from a landowner for an injury sustained in an orienteering competition, would the policy cover that action?
A: Yes, the policy would cover Orienteering but it would not cover the property owner.
I interpret this to mean that where an orienteering club/association is sued, along with a landowner, then the policy only covers the orienteering club/association.
Q: Am I correct in assuming that such a claim would be made under the Civil Liabilities Act?
A: Generally, this is correct however, there can be other legal means of pursuing a claim bearing in mind there are many various ways of injuries occurring.
Q: Has an orienteering club or association made a claim under the Sportscover policy, and if so, can you provide (in general terms) the circumstances of the claim?
A: Claims in orienteering are generally low level and we have not had a claim lodged via your organization.
And a general comment from the insurer:
"Claims against property owners are common so I can understand their concerns. You do need to be careful these days as litigation is prevalent."
So, we appear to be lucky that so many landowners are happy to have us using their properties (and that orienteers are mostly peaceful folk, compared to, for example, indoor soccer players