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.