Me no covered, me no teach!
Originally Posted by Bode Klammer
In another thread, an instructor mentioned that he was hired by a ski school as a contractor, not an employee. I've never heard of that in the East. If you are a contractor, how do you handle liability issues? Does the ski area cover you under their policy? Can you get your own liability policy? Does your homeowners cover it? If you can't get insurance, do you require students to sign waivers?
I've heard of instructors working as independent contractors as opposed to employees, although I'm not familiar with the practice personally. The advantages to the SS are obvious, although the advantages to the instructor are a bit less obvious (although the tax benefits are fairly obvious).
Rather than bloviate on and on about something I'm in the dark about, I'll bloviate on something I do know! I would advise going through your homeowners policy with a fine toothed comb, as most policies will deny coverage in a situation similar to what we're talking about here. You certainly could obtain your own liability coverage, although I'd imagine the costs would be significant in relation to the meager income you could expect to pull in. OTOH, if you were running an ESA style camp (I'm assuming ESA events make a comfortable profit), the costs of liability insurance would be less significant, even though the policy itself would be more expensive.
One thing I can say with absolute certainty is if you cannot obtain coverage one way or another, don't even think about teaching! As I'm sure Gonzo and the rest of the resident Epic litigators will agree, there is no waiver in the world that is iron-clad enough to risk teaching without being indemnified.