Your Life Insurance Cover May Not Pay Out If You Restrain Someone And You Contract Covid and Die As a Result!
I was recent asked this question by someone on Facebook – “If a security company tell door staff don’t get involved in fights or problems on the street, as your not insured to do so, how would they stand if they did or didn’t get involved and somebody got hurt?”
A guy called Graham Leigh who runs a self-defence and martial arts organisation has sent in a great question, which is basically, if I teach someone self-defence and then they use a skill I’ve taught them, which although is deemed to be reasonable in the circumstances, ends up seriously injuring their attacker, can the assailant sue me as the instructor?
Professional Indemnity Insurance is insurance cover that covers trainers for anything that may happen outside the classroom or training hall. But it may not pay out if you give advice that is incorrect or legally flawed, yet many trainers don’t realise that.
Some examples of this that I have personally come across are as follows (and you’ll know this if you have been following me for a few years):