Pursuant to article L. 321-1, insurance policies cover the financial consequences of civil liability incurred by :
1° Sports associations and companies, the organisers of sports events mentioned in articles L. 321-1 and L. 331-5, the operators of physical activity and sports establishments mentioned in article L. 322-1 ;
2° Their employees, whether paid or unpaid, and any other natural person who assists in the organisation of sporting events involving motorised land vehicles;
3° licence holders and participants.
These contracts may not derogate from the provisions defined by this section. They are free to determine the extent of cover.