Insurance for NRA Instructors?

[Lovesbeer99]

I'm all set to talk a class and become an NRA instructor and I was told that I'll need insurance. Do all instructors have insurance and how much will this cost?

I'd like to be an Instructor and be active, but my club is a non for profit so I can't make any money at this. I don't plan on teaching full time either, just a few times a year so if Insurance is expensive, I'll just cancel my class. No point paying 500.00 a year to teach a few of my friends.

Any feedback on this? Thanks in advance.

Lovesbeer99

 

[kanook]

the NRA has insurance for instructors.

 

[Trebor]

You need insurance. The liability is huge for both you and the club. The NRA offers insurance through another company (can't recall which one at the moment).

They have a lower rate for instructors who aren't in business to make a profit. Call the NRA and ask them to send you the info.

 

[Templar223]

There is already insurance automatically from the NRA if you're teaching NRA classes.

If you're doing a good job and obeying common sense rules, the risks are higher of getting into an accident on the way to class.

I've taught for almost twelve years now and the closest we came to danger was a Glock kB! (Hold the jokes, please.) We had an attorney draft up an agreement for students to sign ahead of the class. Basically it's a waiver AND a hold-harmless contract. While waivers get ignored in court, contracts don't.

If you want additional insurance coverage, yes, it's available.

John

 

[Lovesbeer99]

Do I need to be worried about this?

Person A takes my class and 18 months later is involved in a shooting. The person who got shot sues me because I was responsible for teaching person A how to shoot?

 

[Trebor]

Do I need to be worried about this?

Person A takes my class and 18 months later is involved in a shooting. The person who got shot sues me because I was responsible for teaching person A how to shoot?

Talk to a lawyer about what your liability is in your state.

One thing to understand is that you still bear *some* liability, no matter what you do. There are things you can do to lower your liability, like using a waiver, but you can never eliminate it entirely.

As far as your specific scenario, I can't say, but it sounds unlikely to me. I'd be more concerned about what I see as more realistic concerns for liability. I think a more realistic legal danger would involve someone being injured while under your instruction.

You always face more liaibility when you act in an irresonsible manner or in a way not consistent with best practices. Negligence will get you hung sooner then anything.

Act with good judgement and according to best practices. If you are teaching NRA classes, stick to the NRA curriculum and don't deviate.

Btw, I don't believe the NRA insurance for instructors is *automatic.* If it is, I've never heard that. I had to sign up and pay for mine.

 

[oldgold]

Incorporate !
Four of us formed a corporation to teach classes. Cheap and painless. Lowers the risk of being sued individually.One of our four was a big wig with the NRA and I believe that's what they told him to do.

 

[Will5A1]

I just paid mine and it is not automatic - there are different levels available, with a basic liability policy starting at less than $100 if I recall correctly, the plan I selected is over $300 a year, Lockton Risk is the insurance company (I think, don't have the policy at hand) that the NRA has contracted with. There is a link to Lockton off the NRA's website.

 

[Gaffer]

The Lockton Ins is what I go with. With todays litigious society I do not dare wing it. It isn't cheap considering that I make fewer than $200/year teaching so the insurance eats most of it, but I do get to meet some nice people and see some great guns.