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#435552 - 11/12/12 10:54 AM dojo insurance question
kibadachi1 Offline

Registered: 04/29/05
Posts: 74
Loc: coble
wanted to try my hand at martial arts instructor. Do I need my own liability insurance or do I fall under whatever place I rent out insurance?

#435554 - 11/13/12 02:19 PM Re: dojo insurance question [Re: kibadachi1]
cxt Offline
Professional Poster

Registered: 09/11/03
Posts: 5829
Loc: USA

Depends on what you have to lose. IMO the more assets you have the more you need to protect them......or maybe you should think of it in terms of what you can afford to lose. When you don't have much you really can't afford to lose any of it.

Some policies might indeed protect you.....but if it were me, I'd want specific liability coverage.

Might also depend on exactly how you set up the business.

I'm not a legal professional---if you are serious about doing it I'd suggest running this by a legal professional........maybe they would be willing to trade their services for you training them or perhaps their kids. wink

Edited by cxt (11/13/12 02:20 PM)
I did battle with ignorance today.......and ignorance won. Huey.

#435564 - 11/21/12 11:21 PM Re: dojo insurance question [Re: cxt]
oldman Offline
Professional Poster

Registered: 07/28/04
Posts: 5884
I teach in four locations. One is a YMCA. As an employee I am covered by there insurance in their location. I also teach in my employer's fitness center. They require $2million in liability coverage. My policy covers that location and the other locations I teach at one of which is in my home. The policy is $450 annually for 1-25 students per month. If you can afford it get it. If you can't, find a way to afford it.

#435595 - 12/14/12 10:09 PM Re: dojo insurance question [Re: oldman]
Ronin1966 Offline
Professional Poster

Registered: 04/26/02
Posts: 3116
Loc: East Coast, United States
Hello oldman:

There are not an endless number of insurers here in the states, but the list of them is a pretty decent one. How did you come to choose one insurance company over any of the others?

Did you consider amounts above the minimum required coverage?



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