stephepearson

Thank you, I work in the snowboard industry and I know many times waivers do not hold up and mountains/ski shops are still held liable regardless of a signed waiver. I know that individual jumpers can purchase insurance for themselves, but I think that most people would assume that there would be liability insurance available for the instructors which is why I'm writing this article.

No need for attitude, I'm just gathering information and asking questions on things that I've researched. Thanks for the information that you've provided.

I know everyone signs a waiver but many times waivers don't hold up. I've read that some instructors incorporate themselves as an LLC to separate their assets but they can still be held liable and even if they are sued and win they still have to pay for the legal fees. I guess most instructors just deal with the lawsuit risk they face? I also read that many people aren't interested in insurance because of a lawsuit that may just be in "the search for deep pockets." I'm just trying to gather as much information as possible.

I have a project due which I recently decided to change topics on for my insurance class. I'm a student at Temple University and study Risk Management & Insurance. I've gone skydiving twice this last summer and that sparked my interest in this topic. I've read through a bunch of these threads on insurance and skydiving and what I've learned is that it is difficult and expensive to obtain liability insurance if you are a skydiving instructor. I want to write an article on the alternatives that instructors use when they cannot get reasonable insurance. Also, does anyone know what kind of liability insurance is required for drop zones? (I know that depends on the state, but just in general.) Anyone have any information that may help me out to look further into this topic? Anything is appreciated.