insurance question

treelizard · 05-16-2008, 03:04 PM

If you are teaching a class as a subcontractor at an established gym, do you still need to get your own insurance or is theirs enough?

**Hardball** · 05-16-2008, 04:13 PM

Quote:

Originally Posted by treelizard

If you are teaching a class as a subcontractor at an established gym, do you still need to get your own insurance or is theirs enough?

I don't know the answer but it would help to draw up a waiver form for everyone to sign.

eXcessiveForce · 05-16-2008, 06:55 PM

Quote:

Originally Posted by treelizard

If you are teaching a class as a subcontractor at an established gym, do you still need to get your own insurance or is theirs enough?

Always safer to have your own. Their insurance protects them, but you could always be sued individually

jwhitesensei · 07-19-2008, 11:02 PM

Both the preceeding posts are good advise. However, in most cases, the gym or business you are teaching out of will have you covered on their insurance. We taught out of a gymnasics academy for several years. Their policy covered us for our normal classes. We did have to go through the company to get special insurance for a tournament. If I remember correctly it was about $400.00. I also taught self defense classes at a gym for a while. As long as they were only self defense classes, I was covered. however, when I attempted to move my dojo into the facility, the insurance wouldn't cover me.

Always, always, ALWAYS, have your students sign a waiver. In some states they don't do a lot of good and there are loop holes to get around them if they seriously want to file suite on you. But have them sign one anyway. You can never have too much protection.

Sit down and talk to the owners of the gym you are teaching out of. Ask them if you are covered and how much coverage you have.

Hope this helped.

treelizard · 07-20-2008, 09:44 PM

I'm actually not going to be a contractor but an employee, which makes things a lot easier for me. I just had to get certified under an organization their insurance covered, because they did not recognize the certs I had. So it's all good.

jwhitesensei · 07-23-2008, 01:22 AM

Glad to hear that. I'm sure the gym makes it's customers sign a waiver. Make sure that it covers you as well. And GOOD LUCK!

05-16-2008, 03:04 PM	#1 (permalink)
treelizard Registered User Join Date: Sep 2005 Location: the desert Posts: 3,265	insurance question If you are teaching a class as a subcontractor at an established gym, do you still need to get your own insurance or is theirs enough? __________________ http://www.dirttime.org http://morewomeninmma.blogspot.com

07-20-2008, 09:44 PM	#5 (permalink)
treelizard Registered User Join Date: Sep 2005 Location: the desert Posts: 3,265	I'm actually not going to be a contractor but an employee, which makes things a lot easier for me. I just had to get certified under an organization their insurance covered, because they did not recognize the certs I had. So it's all good. __________________ http://www.dirttime.org http://morewomeninmma.blogspot.com

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07-19-2008, 11:02 PM	#4 (permalink)
jwhitesensei Registered User Join Date: Jul 2008 Location: Colorado Posts: 12	Both the preceeding posts are good advise. However, in most cases, the gym or business you are teaching out of will have you covered on their insurance. We taught out of a gymnasics academy for several years. Their policy covered us for our normal classes. We did have to go through the company to get special insurance for a tournament. If I remember correctly it was about $400.00. I also taught self defense classes at a gym for a while. As long as they were only self defense classes, I was covered. however, when I attempted to move my dojo into the facility, the insurance wouldn't cover me. Always, always, ALWAYS, have your students sign a waiver. In some states they don't do a lot of good and there are loop holes to get around them if they seriously want to file suite on you. But have them sign one anyway. You can never have too much protection. Sit down and talk to the owners of the gym you are teaching out of. Ask them if you are covered and how much coverage you have. Hope this helped.

07-23-2008, 01:22 AM	#6 (permalink)
jwhitesensei Registered User Join Date: Jul 2008 Location: Colorado Posts: 12	Glad to hear that. I'm sure the gym makes it's customers sign a waiver. Make sure that it covers you as well. And GOOD LUCK!

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