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MAD Mike
Yellow Belt
Yellow Belt

Joined: 10 Aug 2020
Posts: 32
Location: Hidalgo County
Styles: Yondan Concentration, Yuk dan, or Pal dan

PostPosted: Tue Aug 11, 2020 4:05 pm    Post subject: Liability Insurance Reply with quote

Anyone else carry it??
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DWx
KF Sensei
KF Sensei

Joined: 17 Jan 2007
Posts: 6335
Location: UK
Styles: Tae Kwon Do & Yang family Tai Chi

PostPosted: Thu Aug 13, 2020 3:21 pm    Post subject: Reply with quote

Not sure what it's like in your area, but over here instructors must have liability insurance to teach.
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sensei8
KF Sensei
KF Sensei

Joined: 23 Feb 2008
Posts: 15153
Location: Houston, TX
Styles: Shindokan Saitou-ryu [Shuri-te/Okinawa-te based]

PostPosted: Thu Aug 13, 2020 4:23 pm    Post subject: Reply with quote

Yes. I've carried liability insurance for as long as I can remember; have to protect my students as well as my business.



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MAD Mike
Yellow Belt
Yellow Belt

Joined: 10 Aug 2020
Posts: 32
Location: Hidalgo County
Styles: Yondan Concentration, Yuk dan, or Pal dan

PostPosted: Thu Aug 13, 2020 10:43 pm    Post subject: Reply with quote

I just switched from Accidental Death and Dismemberment as a personal policy..
Goes with the job....
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Spartacus Maximus
Black Belt
Black Belt

Joined: 01 Jun 2014
Posts: 1830

Styles: Shorin ryu

PostPosted: Wed Aug 19, 2020 6:42 am    Post subject: Reply with quote

Generally speaking one can never have too much insurance because each policy available to buy has limitations. As an instructor, it is a wise choice to make sure the training space is covered in case of sudden accidents or damage. On the personal level, the types of insurance must cover the maximum and match the kind of activity one chooses to engage in.

Personally, in addition to a general health insurance system with good coverage, like all dojo members we all have a special insurance tailored for extreme sports(dangerous/high risk).
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