That's pretty much what I'd assumed, but all the answers I received made is seem more that AGB insure shooting activities at the grounds of AGB clubs where only AGB members are shooting. As a paid up member of AGB you are covered by this insurance, but I'm not sure that the individual is insured. If I as an individual am insured, then surely the cover should be valid if I shoot in compliance with the rules of shooting - but apparently not - see a couple of the other Q&A:
Likewise on my opinion, no warranty or guarantees
, but
the above quotes are taken from replies received from AGB in December 2016, so I thought they might be of interest - they certainly weren't what I was expecting when I asked the questions.
Regarding your quotes, the first one, they've sidestepped the question somewhat. You wouldnt be responsible for what someone else does, unless they wanted to argue that you were implicit in "permitting" them to shoot in an unsafe manner. The club "could" be liable, if there was an accident caused by the archer shooting unsafely and that archer could prove he/she was doing so with the knowledge of the club. Hypothetical situation: archer shooting unsafely kills someone and that persons relatives sue the archer for ?5,000,000. The archer might try to move some of the liability to someone else, ie the club, by saying they werent made aware that the distance was unsafe. They might try to move some liability to you by claiming that you didnt tell him/her either, but was it your responsibility to tell him/her?
The second quote, AGB insurance ONLY covers you to shoot at ranges registered with AGB, so shooting at a non AGB registered range would not comply.
At the end of the day, an insurance company will always try to avoid saying that you are absolutely definitely covered for something, and any statement to that effect will always be dotted with caveats and clauses as a back door for them to get out if necessary. Ultimately the final decision will be that of the law courts and justice system, which, one would hope, would always act in the realm of what is reasonable, or what a reasonable person would do or be reasonably expected to do.
Is it your responsibility to say "hey non gender specific archer, you're not allowed to shoot that distance! Its not safe" ? Hell yes, every time. But do you have a responsibility to the unsafe archer? Probably not, responsibility for your own actions