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In my experience, it's generally insurance companies that force helmet-wearing
I've found that many people/orgs wrongly cite insurance as the reason for lid compulsion. When you drill down to it this isn't the case.
Cycle activity insurance from the UK's main insurer, butterworth spengler, isn't at all bothered about helmets
What skydancer said. It does show they understand the issues.
The main question I'd have is how they have arranged this with their insurance; the article doesn't say anything about it. In my experience, it's generally insurance companies that force helmet-wearing.
Also, this will look very familiar to @bright: