Jump to content
  • advertisement_alt
  • advertisement_alt
  • advertisement_alt

garage dojo


Recommended Posts

  • advertisement_alt
  • advertisement_alt
  • advertisement_alt
  • Replies 30
  • Created
  • Last Reply

Top Posters In This Topic

People should be covered by their own personal insurance, rather than insuring the place.

Ideally, yes. Unfortunately it doesn't always work that way. If a student's personal health insurance has to dole out thousands of $$ for a back injury, they will look for someone else to sue to recover their money.

I would not be so worried about the student suing me, hopefully he likes and respects me. Unfortunately his insurance company (and their lawyers) could care less about me.

Link to comment
Share on other sites

Is there any personal exposure if someone gets hurt? If something bad happens could you lose your house? I don't think a homeowner's policy would cover it.

Like everything else in life, the answer is it depends. And that's a great point. You can never assume what you're insurance covers. In the case of someone training folks out of his/her home, you need to contact your insurance agent. Many companies offer what is called an Umbrella policy that you can add to your home owners or renters insurance. Your agent can get the policy to give you the coverage you need.

FYI, I"m not an agent, and won't even go into the details, or try to claim to be an expert, but I've done this for another business, and it's fairly common.

Link to comment
Share on other sites

People should be covered by their own personal insurance, rather than insuring the place.

Ideally, yes. Unfortunately it doesn't always work that way. If a student's personal health insurance has to dole out thousands of $$ for a back injury, they will look for someone else to sue to recover their money.

I would not be so worried about the student suing me, hopefully he likes and respects me. Unfortunately his insurance company (and their lawyers) could care less about me.

But most insurance has a personal part and a peer to peer part!

Tokonkai Karate-do Instructor


http://www.karateresource.com

Kata, Bunkai, Articles, Reviews, History, Uncovering the Myths, Discussion Forum

Link to comment
Share on other sites

If you do run a dojo in your garage/house, I would definitely encourage you to make sure you have liability coverage, and make sure that it does not exclude a commercial use. Sometimes, insurance makes a distinction.

----

Hmm. Hello. This is the floor. How did I get here?

Link to comment
Share on other sites

Is there any personal exposure if someone gets hurt? If something bad happens could you lose your house? I don't think a homeowner's policy would cover it.

Most home policies would not cover you if they could prove that this was a result of a commercial endeavor. If you and a few buddies are training, then that's a different situation, but if you are running a school out of your house then you better look into an umbrella policy or commercial rider.

I had to lose my mind to come to my senses.

Link to comment
Share on other sites

My current JKD instructor trains us our of his garage. Has matts covering all of the floor. Punching bags, speed bags, bo staffs, sparring gear, etc... He has it all. He used to have his own school outin Texas but prefers to stay away from the politics and advertising stuff. He's not in it for money. He's in it to pass his teachings. And also prefers to work very closely with a handful of people (he only trains 8 of us right now) as opposed to 30 people and not pay attention to detail.

-Ray

-Pain Is Weakness Leaving The Body.



-It's Not The Size Of The Dog In The Fight, But The Size Of The Fight In The Dog.

Link to comment
Share on other sites

I have a Home Dojo, My Barn is convert with artificial floors, mats, total gym, kicking bags etc

I have everyone who trains here to sign a waiver. It is just that simple, besides, I only charge for promotion fees and other club activies that we all attend.

Sigung White

Note: I too had a commeriical school at one time as well.

34 years in the Martial Arts, Certified Police Trainer. Member of the Professional Karate Commission, IAOMAS, Fist Law Society, Director of the Molum Combat Arts Association and the MLCAA Honor Society

Link to comment
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
×
×
  • Create New...