Hey Dave,
A good question mate. Never having taken out that insurance myself (AKS is privately insured in Australia) I never looked into it until now. The policy covers instructors as private riders (Public Liability and damage) and also for Professional Indemnity for wrongful instruction or professional mistakes.
Here is the wording from an exert from the website :
Information regarding Personal Liability Insurance for IKO instructors
Sum insured: EUR 2,000,000 for bodily injury
EUR 1,000,000 for property damage
per occurrence, subject to an aggregate limit in the double amount for all occurrences per year.
PROFESSIONAL LIABILITY:
Insurance coverage: Professional liability for self-employed IKO kiteboarding instructors and / or IKO snowkiting instructors.
Personal legal liability under civil law (under private law) as an instructor of kiteboarding, to cover teaching activity.
The IKO instructor is covered for claims from students under his supervision, e.g. for violation of the obligatory supervision, wrong instructions and commands and similar.
This general liability insurance does not cover the liability of an individual school. Thus, for example, there is no insurance cover if an instructor has his or her own school grounds/beach, employee/assistant, school equipment (kiteboards and kites), boats or similar. For this a school general liability policy is required.
If the IKO instructor is insured by the school/kite centre/club, or is covered by another insurance policy at the same time, the other insurance policy takes precedence over this group insurance for IKO instructors (subsidiary insurance coverage).
Third-party liability insurance for private kiteboarding and / or snowkiting (only in the disciplines you are qualified as an instructor in):
General liability of the insurant instructor through the ownership, possession and use of private used kite boards and kites.
Hope this helps!
