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Old 03-21-2005, 10:54 AM   #1
darin
Join Date: Dec 2000
Posts: 375
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public liability and personal indemnity

My school's dojo is in a PCYC (like a YMCA) which says that their insurance covers us for everything but I am not too sure about this. So I am now considering getting public liablity and personal indemnity just in case someone has a serious injury. I think at the moment all we have is a waiver that students sign but I don't think its enough. I know a few instructors here have their own schools? What do you advise? Any aiki lawyers out there?
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Old 03-21-2005, 10:56 AM   #2
darin
Join Date: Dec 2000
Posts: 375
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Re: public liability and personal indemnity

Sorry. Should be a full stop after schools not a question mark. What! its almost 2am here... better get to bed. Got an early class in the morning.
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Old 03-21-2005, 11:36 AM   #3
Eric Webber
Dojo: Aikido West Reading
Location: Reading, Pa
Join Date: Dec 2004
Posts: 261
United_States
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Re: public liability and personal indemnity

Not sure what the laws are in your neck of the world, but it seems to me that a little personal liability protection is a good investment for your future and the future of the school. I would be inclined to call around for some premium quotes.
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Old 03-22-2005, 09:55 PM   #4
Huker
Join Date: Sep 2004
Posts: 63
Canada
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Re: public liability and personal indemnity

It might also scare off potential members. It is possible to run a dojo safely without serious injury. There are pros and cons, I suppose. My dojo doesn't make us sign any waiver or anything.
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Old 03-23-2005, 03:59 AM   #5
philipsmith
Dojo: Ren Shin Kan
Location: Birmingham
Join Date: Jun 2003
Posts: 313
United Kingdom
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Re: public liability and personal indemnity

Personla and public liability is a must in the UK. There have been a few cases of people suing for personal injury (none of which were successful) and the lawyers tab etc. is picked up by the insurer. As here (like everywhere else) lawyers fees are high so it's worth having the insurance for that alone.
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Old 03-23-2005, 07:46 AM   #6
giriasis
Location: Ft. Lauderdale, Florida
Join Date: Jun 2000
Posts: 819
United_States
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Re: public liability and personal indemnity

Quote:
Tanner Hukezalie wrote:
It might also scare off potential members. It is possible to run a dojo safely without serious injury. There are pros and cons, I suppose. My dojo doesn't make us sign any waiver or anything.
Where I train we all sign waivers when we join and my sensei has insurance for the dojo. New members pay a $25 fee to help cover insurance and each year we pay annual dues (part goes for the USAF fee and the other part is for insurance). This practice hasn't run anyone away from our dojo. (I help register students in the dojo and I have yet to meet someone who said they wouldn't join because they have to sign a waiver and pay a registration fee covering insurance.)

Accidents do happen and people do get hurt, and having insurance is a good way to protect a dojo from liability. It really is a must and if a school doesn't have waivers and insurance then they really are running a big risk.

Last edited by giriasis : 03-23-2005 at 07:48 AM.

Anne Marie Giri
Women in Aikido: a place where us gals can come together and chat about aikido.
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Old 03-23-2005, 10:06 AM   #7
darin
Join Date: Dec 2000
Posts: 375
Offline
Re: public liability and personal indemnity

Should students have their own insurance? I heard some schools require students to have their own insurance or use one provided by the school. I too as an insructor should have some kind of insurance in case I get hurt and cannot work.
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Old 03-23-2005, 10:15 AM   #8
Justin Gaar
Dojo: Aikido Academy Of Self Defense
Location: South Carolina
Join Date: Nov 2004
Posts: 45
United_States
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Ki Symbol Re: public liability and personal indemnity

Theres always the looming that someone can get hurt. Aikido practice between uke and nage may be controlled at cooperative but everyone makes mistakes. Insurance would be a good idea

If you arrest a mime, do you have tell him he has the right to remain silent?
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Old 03-23-2005, 02:27 PM   #9
tedehara
 
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Dojo: Evanston Ki-Aikido
Location: Evanston IL
Join Date: Aug 2000
Posts: 826
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Re: public liability and personal indemnity

Quote:
Darin Hyde wrote:
My school's dojo is in a PCYC (like a YMCA) which says that their insurance covers us for everything but I am not too sure about this. So I am now considering getting public liablity and personal indemnity just in case someone has a serious injury. I think at the moment all we have is a waiver that students sign but I don't think its enough. I know a few instructors here have their own schools? What do you advise? Any aiki lawyers out there?
You need to get a copy of the school's insurance policy. Read the policy and have someone who knows insurance, read it. When you understand your present situation, you can then make an intelligent decision. You don't want to be over insured (waste of money) or under insured (open for liability).

Usually a large organization will be adequately insured. However you may discover their general policy does not cover a specific area you might want.

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