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Post by toejoe2k on Dec 29, 2006 15:54:29 GMT -5
First off --- HAPPY NEW YEAR!!!! Now that I've gotten that out of the way, I was wanting to know how many schools pay for insurance (general, accident, ..etc.) and who they use. Moreover, what (if any) types of experiences have you had with filing claims and general customer service?
Considering the prospect of someday opening a school and I just cannot see *not* having insurance. I know that martial arts facilities tend to have low injury rates vs. other sports but, how can someone sleep at night without it given the litigious society we live in. No offense to any who don't carry insurance on their school. My instructor doesn't carry insurance and I worry about him.
Alas! I ramble on...thanks to all who replay and may all who read this have a blessed New Year.
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Post by BillCogswell on Dec 30, 2006 15:23:41 GMT -5
I use: www.karateinsurance.com/application42-new.htmThe insurance is quite adequate and it follows me wherever I happen to be teacher. If I give a seminar somewhere or teach some night at a different school, I am still covered. I always put safety first and in almost five years of running my own club I have not had anyone get hurt from training. I have had a guy have an epileptic seizure but that was unrelated to the training. There have been a few cuts and bruises of course but nothing that would warrant involving an insurance claim. (*knocks on wood).
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Post by toejoe2k on Jan 5, 2007 15:57:18 GMT -5
Thank you for your response, Mr Cogswell. I've looked at several and am certain that I'll take coverage from one of them as I just cannot see myself *not* having insurance. But then, I'm also the guy who put an attorney on retainer and has never used the law firm for anything. Funny, I'm more afraid of being sued than anything else...
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