With the CTC the ride leaders are insured as long as they take a ride register with contact details .... which we do. It's a legal minefield if you are the 'leader' of a casual group, you could be sued for negligence for exaple.
I did ask our leader about insurance when I joined.
Can't recall the exact answer, possibly because it wasn't very clear.
'Casual group' is a good description of my lot, and I'm sure you are right about leader's insurance being a legal minefield in that situation.
I suspect our leader believes a bunch of middle aged men and women would 'play the game' and not seek to unfairly blame him for any mishap.
Seems to me that's not such a big risk as some might think.
He nominally leads a ride every fortnight, on the alternate Sundays we take a group decision on the route and destination.
For those rides there is no real leader, it's just a group of cyclists heading for the same cafe stop.
Even on the led rides, route change decisions can be taken on the hoof, or rather pedal.
Hard to see how any significant liability could fairly be ascribed to the leader in those circumstances.