Getting a million buck liability policy to teach shooting

This is a discussion on Getting a million buck liability policy to teach shooting within the Defensive Carry & Tactical Training forums, part of the Defensive Carry Discussions category; After teaching on military posts most of my life this is a shock. Wow. So far the NRA Policy looks best, But I'm going to ...

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Thread: Getting a million buck liability policy to teach shooting

  1. #1
    Senior Member Array threefeathers's Avatar
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    Getting a million buck liability policy to teach shooting

    After teaching on military posts most of my life this is a shock. Wow. So far the NRA Policy looks best, But I'm going to look into the company Tom uses on Monday as I've been asked to include an investigator on my staff. If I do I'll have a fairly large contract for a year with a group that wants to investigate public employees so I have some decisions to make this week.
    Or I could just continue teaching on post and say the hell with civilians.

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    VIP Member Array edr9x23super's Avatar
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    Wow, I never heard of that - please give more details? Is this a policy against accidents in the class, or something else?
    "Guard with jealous attention the public liberty. Suspect everyone who approaches that jewel. Unfortunately, nothing will preserve it but downright force. Whenever you give up that force, you are inevitably ruined". - Patrick Henry

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    Senior Member Array threefeathers's Avatar
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    Yes. I do understand that when working with the general public that things can happen but I thouught just homeowners liability would cover it.

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    VIP Member Array edr9x23super's Avatar
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    Ahhhhh, the joys of living in a litigious society......
    "Guard with jealous attention the public liberty. Suspect everyone who approaches that jewel. Unfortunately, nothing will preserve it but downright force. Whenever you give up that force, you are inevitably ruined". - Patrick Henry

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    VIP Member Array Janq's Avatar
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    Coming from a different angle of view I personally AND professionally am a _HUGE_ fan of insurance.

    Setup your teaching under an LLC, minimum.
    Next secure the most amount of insurance that you can reasonably afford...To which IMHO $1M in todays terms of the dollar is not enough.
    Civil jurys love to give away other peoples money. Read up on it, you may be in for a shock.

    Investigate this _fully_ before entering into what would be and is a business, as in business liability is always just one disgruntled and/or nutty customer away.

    - Janq
    "Killers who are not deterred by laws against murder are not going to be deterred by laws against guns. " - Robert A. Levy

    "A license to carry a concealed weapon does not make you a free-lance policeman." - Florida Div. of Licensing

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    Senior Member Array Matthew Temkin's Avatar
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    JOSEPH CHIARELLO & CO., INC.
    31 Parker Road
    Elizabeth, New Jersey 07208
    Telephone: 800-526-2199
    Fax: 908-352-8512

    They offer a million dollar policy for about $350 a year.
    Tough part is getting them to return your calls.
    Nearly every instructor that I know of uses them.

  8. #7
    Senior Member Array threefeathers's Avatar
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    Thanks. I'll call the two companies plus the NRA on Monday. My State Farm agent who I've ben with for 20 years is also offering to expand my personal liability policy to cover it.
    So by Tuesday I'll be insured.
    I did a AZ State LLC which is required by AZ.
    Gator Farm Tactical Applications, LLC and Mas has the link on his site. I have many, 50+ requests for training so I'll probably travel I-10 as I'll be legal carrying from AZ to FLA.
    For submachine-gun I'll teach through Arms Tech in Phoenix and Dr. Joe already has his policies in place.

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    Sponsor Array DCJS Instructor's Avatar
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    Quote Originally Posted by Matthew Temkin View Post
    JOSEPH CHIARELLO & CO., INC.
    31 Parker Road
    Elizabeth, New Jersey 07208
    Telephone: 800-526-2199
    Fax: 908-352-8512

    They offer a million dollar policy for about $350 a year.
    Tough part is getting them to return your calls.
    Nearly every instructor that I know of uses them.
    $350.00 a year ??????

    I pay that a month.

    Tom

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    Ex Member Array BikerRN's Avatar
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    Quote Originally Posted by edr9x23super View Post
    Ahhhhh, the joys of living in a litigious society......
    Tell me about it mate.

    I'm currently being sued by one individual for 7.5 million.

    Insurance is one of those things that, while we hate to pay for it, most of us would hate to not have it.

    Biker

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    Senior Member Array Matthew Temkin's Avatar
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    Quote Originally Posted by DCJS Instructor View Post
    $350.00 a year ??????

    I pay that a month.

    Tom
    Your operation may demand more coverage than a traveling instructor who only does about 5-10 classes a year.
    Then again, give them a call...

  12. #11
    VIP Member Array Janq's Avatar
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    Yep, you can never have too much and always will lament having too little; Money, ammo, <Radio Edit>..and Insurance.

    Cover your six.

    - Janq
    "Killers who are not deterred by laws against murder are not going to be deterred by laws against guns. " - Robert A. Levy

    "A license to carry a concealed weapon does not make you a free-lance policeman." - Florida Div. of Licensing

  13. #12
    Senior Member Array threefeathers's Avatar
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    Tom, the NRA policy with the mil kicker is $350 a year. That is for a NRA Certified instructor for firearms training. For Investigative services the price goes up a whole bunch.

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    Quote Originally Posted by threefeathers View Post
    Or I could just continue teaching on post and say the hell with civilians.
    That is what I did, its just not worth the aggravation IMO.
    "Just blame Sixto"

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    Distinguished Member Array Agave's Avatar
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    My instructor insurance plus professional liability is $310 annually for a million dollar policy from the NRA.
    The preceding post may contain sarcasm; it's just better that way. However, it is still intended with construction and with the Love of my L-rd Y'shua.

    NRA Certified Pistol Instructor, Tennessee Certified Instructor

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    Senior Member Array Matthew Temkin's Avatar
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    Quote Originally Posted by Agave View Post
    My instructor insurance plus professional liability is $310 annually for a million dollar policy from the NRA.
    Does that apply when only teaching NRA approved courses, or can it apply as an umbrella policy?

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