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Can Insurance Save You From This?

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Get Certified as a Martial Arts Instructor Online

MATA Martial Arts Instructor Certification Course

Module 21-The Proper Use of Student Instructors

by Scot Conway, Esquire

The $25,000 Volunteers

Excerpt from the Martial Arts Instructor Certification Course:

Using upper ranks to teach classes has been a long-standing martial arts tradition. But, is it legal?

A California instructor had his black belts teaching under-rank classes at his studio. In exchange, he no longer charged them tuition.

This continued until one fateful day when the owner and a black belt student had a disagreement.

The vindictive student contacted the California Labor Board and reported that his instructor had been employing assistants by requiring that they teach classes each week.

This can constitute an Employer – Worker relationship. The only thing missing was payment for the workers and the taxes the government would collect if they were being paid.

The State of California investigators concluded that the owner, over the years, had a total of 25 black belts teach classes.

They defined them as uncompensated employees, which is illegal under the laws of California, and fined the instructor $1,000 per incident.

The final bill: $25,000 for the volunteers.

Lesson: Know your state laws regarding utilizing assistant instructors.

Your class is packed. The school is booming. In the midst of all of the excitement, a 12-year student turns and run across the floor to the water fountain.

As she hits full stride, a 17-year old leadership team member demonstrates a full speed spin hook kick. At full power and velocity, his heel smashes into her face. She requires complete facial reconstructive surgery.

What would you do? What could you do? This accident happened over a decade ago to a school in the DC area.

It’s a prominent school, and it’s still in business today because it was fully insured. Are you? Could your school survive an incident like this?

To help school owners get a better understanding of liability and how to reduce it, we’re joined by Jennifer Urmston, who is the National Account Manager at Sports and Fitness Insurance Corporation (SFIC).

Most schools shop for the cheapest martial arts insurance. That could be a major disaster if a school is faced with any of the lawsuits described in this 12-minute interview. When it comes to martial arts school insurance cost, there are some important variables that you will learn about in this series.

Most of us think about insurance for our martial arts school, but what about martial arts instructor insurance? Mixed martial arts insurance or even self-defense instructor insurance?

Read more: How to Choose Martial Arts Liability Insurance Coverage

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