Harm Suffered or Harm Sufferable or Harm Being Suffered or Suffer Harm means for the Civil Liability Acts, Risk Of Harm:

(a)     Risk Of Harm Specific To Cycling

(b)     Personal Injury or death,

(c)     damage to property,

(d)     economic loss.

(d) above may be as a result of Negligence by an Inviter due to not including in a Risk Warning in an invitation to participate in a Recreational Activity, that participants need to hold public liability insurance in case their negligence results in a serious injury to a third party(ies).