Insurance or no?

J

jpcmt

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I would! People can say anything they want. You can make them sign waivers and agree to things all day long. In the end, if they get in trouble and think they have an out, they CAN drag you into court whether right or wrong and cost you a LOT of money. Liability insurance isn't expensive. I had $2,000,000.00 in liability and it cost me around $400/yr. BUT doing live fire training will probably make that skyrocket. But again all the more reason. If somebody died while at YOUR class, while under YOUR supervision, possibly with YOUR gun....good luck stopping their family from coming after you.
 
You need to be insured. While your state law says you're not responsible for you students action the reality is everyone can be sued and the state won't help you with any accidents that occur during training.
 
Well if I were still in CA doing this, where there isn't a law protecting me from just that kind of scenario, I could definitely get behind it. In my neck of the woods, cops don't bring people to the PD for interviews during defensive shoots...they get to go home and keep their guns. The range used for the 15 mins per student to do their qualifying shoot is insured and they sign a waiver when they enter the range. If there's a negligent shooting from a student, with my gun, and my ammo, but no reasonable suspicion that I instructed said student to act negligently (as the law says), the judges here would toss such a civil claim and quote the great Sweet Brown and say, "Ain't nobody got time fo dat!"

But seriously, knowing the county prosecutor, who is also a shooter and friend, and seeing the no nonsense judges around here, and not being in an area where people sue for stupid crap like they do in other states where they'd succeed, I'm not too worried about being dragged through it.

Guess I"m answering my own question here. But thanks for the safe answer, I kinda expected that.
 
It appears that you already had made your decision and started this thread to seek supporters. Carry on and I wish you the best.
 
I don't know if it's very wise doing this inside your home in your living room. Basically, since you're charging for the class, you are running a business out of your home, in my opinion, and that alone makes you liable for anything lacking in your class curriculum. I believe that you could potentially be sued personally by someone or someone's family if one of your students were to shoot someone and it turns out that they were trained by you outside of a proper training facility. That being said, $50 is not enough money to charge for risking your personal home in a lawsuit, since it could be considered a place of business. You should make sure your homeowner's insurance covers you for this type of use of your home, and if not, you should incorporate yourself and teach your classes at a range facility. Most of the ranges here in Texas will provide their facilities at a discounted group rate. Just my 2 cents.
 
NRA has an insurance that they endorsed for instructors. It is reasonably priced and great peace of mind for me. Some ranges will require instructors to have insurance, so for me, all bases covered.
 
Look at The NRA Instructor's insurance program, administered by Lockton Risk!!
Get the most expensive policy, because it affords you general liability insurance and professional liability insurance on the same million dollar policy, and it's cheap enough to get the full coverage ($300)
 
I started with Lockton several years ago but switched for various reasons to Chiarello. For me I get better service, 2 million coverage and 2 COIs for $350.00 a year.
 
snatale42 said:
How does that statement even remotely answer the guys question? lol
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Because it says through his example, do what you wish. The OP already said he can't afford the insurance, makes several points for not having it... everyone on this forum realizes he is not going to buy it.

My personal opinion, for as inexpensive as liability coverage is, I would get it, but Nightmare in his eloquent yet concise style did answer the post.
 
Signing a waiver does not absolve you of risk. You can never negate liability through a signed waiver. State law protects you whereby the plaintiff must show you are negligent through deviation from a standard of care expected of someone with such credentials. If you violate a duty of care no law or waiver can protect you. For anyone conducting live-fire training I recommend you get at least the liability coverage through the NRA for $300 per year. You can't afford NOT to have insurance.
 
I am a relatively new instructor but insurance is a must. You can go through the NRA and get insurance and it is cheap. $300 a year for a $2 million policy that includes liability coverage is very cheap. It covers NRA and non-NRA courses. Insurance is like carrying my firearm. I have it and never hope to need it. But, if I ever do need it, I am sure glad that I had it.
 
It's extremely important to have PROPER instructor insurance. A good start is with the NRA Instructor Policy. Additionally, it is imperative that you protect your personal ASSets by forming an LLC, this will eliminate, or lessen, your personal exposure to risk. All NRA Instructors should have their students sign a waiver of liability, and an additional document that attests to the student's character and that they are not a prior felon etc. During my NRA Instructor classes we were given all of this information in writing with sample forms etc. Remember to treat your NRA Classes as a business at all times.
 
Nightmare45 said:
My insurance is strapped to my right hip with at least two backup insurance items.
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I really hope you are kidding or are not an instructor. If you are, consider what would happen if a student accidently shoots themselves or someone else?
 
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