That's right, you guys run your insurance through your board.
Ironically, here in the states we require a college degree to baby-sit our kids; not to mention websites where you can perform "security checks" on individuals. But you got a black belt? Well, obviously we should just trust you... Where can I drop my child off to practice a violent fighting system for an hour? Ohhh? Weapons, too? Excellent. We're like a comedy skit waiting to happen.
And remember - the most important reason to send a child to martial arts class is so that they can learn discipline. So, naturally - you get very undisciplined children, because that's what we claim we teach. And they do things like suddenly FLING themselves into a mirror or a wall - while you go "GAHHHH... WHAT ARE YOU DOING???"