Anyone else carry it??

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

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

I just switched from Accidental Death and Dismemberment as a personal policy..

Goes with the job....

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).

Yes! Just sharing here in case anyone else is looking - I've been using K&K Insurance (K&K Insurance | Insuring the world's fun®)

They have a variety of coverage specifically for martial arts instructors or martial arts schools, plus personal training and other sports instruction. I could also specify several facilities that I teach at in the policy (including my home) and specific activities like weapons training or sparring. I haven't had to file a claim (knock on wood), but it seems like they understand this field and what they are insuring.

I actively taught, mostly non-commercially, from 1978 thru 2005 and never once carried insurance. Nor did I ever have any issues. I had students get teeth knocked out, jaws knocked out of place, knee ligaments torn, toes/fingers broken, etc, and not one attempt to make any sort of claim against me.

23 hours ago, Montana said:

I actively taught, mostly non-commercially, from 1978 thru 2005 and never once carried insurance. Nor did I ever have any issues. I had students get teeth knocked out, jaws knocked out of place, knee ligaments torn, toes/fingers broken, etc, and not one attempt to make any sort of claim against me.

But look at the years you were teaching.

When I started martial arts (Japanese Jiujutsu) in 1972 I doubt the sensei had insurance, although he might have. But we all got hurt training, it was pretty much expected. We didn't use any protective gear, we spared, had no mats (carpest floor with little od no padding), and the dojo was also a fencing school, and 2 of the 4 walls were lines with fencing foils and fencing masks. You'd get hurt, come back next class and do it again. And no one's parents were inclined to sue because getting hurt was reality for actual training. In 1976 I started Taekwondo (pre-olympic) we had no protective gear, no mats (Linoleum floor), we spared, had takedowns, in close fight drills and none of the Olympic ruleset to follow. You got hurt, if you trained, you wold get hurt, one way or another. It was expected and no one even thought of a law suit, 1991, I started Chinese martial arts, (yet another linoleum floor) no mats, no protective gear, punches, kicks, takedowns, throws, sparing...heck our warm up was an indoor soccer match that had virtually no rules. I broke my ankle there twice training Changquan (Longfist). And no one there talked about suing at all, as a matter of fact it became a running joke in class, "So what are you wearing a brace for today?". It was all part of the culture, martial arts training was going to get you hurt, some minor, some more serious. But things have changed today, many people are sue happy these days.

I taught taijiquan a few years back, I did not have any insurance, but I was only teaching form, not the martial arts stuff my Shifu taught me. But even then, I was a bit nervous about lawsuits, and if I ever do go back to teaching I will be looking into insurance.