Liability Insurance

[MAD Mike]

Anyone else carry it??

[DWx]

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

[sensei8]

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

[MAD Mike]

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

Goes with the job....

[Spartacus Maximus]

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).