Black badge / shooting instruction insurance

When an instructor puts on a black badge or any shooting course, how is insurance handled?

Most IPSC shooters/prospects have club memberships which include insurance with CSSA/NFA/CFI. If you're not a club member and not an association member, you can always join CSSA or NFA. On a side-note (sorry for the hijack), how does the NRA insurance work? And where? I am a member and heard something about some insurance coverage being included. Could be wrong.
 
I know about club insurance, but wondering if the instructor had seperate insurance too? Assuming the instructor is a private "business" type of deal.
 
I know about club insurance, but wondering if the instructor had seperate insurance too? Assuming the instructor is a private "business" type of deal.

Lol business.. I remember my instructor, rolled in in a brand new Huracan... Behind him was a flatbed with 9 others, so he could match the color to his mood, all paid for by our black badge fees.. And the black badge coordinator.. He owns half of Canada and 1/3 of Mexico!!!! :sok2 Realistically speaking, the BB fees for a typical class don't even cover their time at minimum wage (once you factor in the membership and other expenses). All of the instructors do it so they can share their love for the sport with a new generation of shooters. They could be spending that time with their families or training. Nobody got rich or even made a living doing BB courses. Now that we've cleared that up, your regular insurance still covers you and additional insurance is neither wanted nor needed.
 
I had an insurance agent look into it to see if I was covered properly for my sponsors. His expert opinion was its only good for cleaning my bum. Which would explain why cssa is so dodgy about letting memebers see the actual policy
 
If you are a member of a club and have insurance through that club (typically included in your membership fee) you are covered for all legal shooting activities including instruction. If you are teaching people with no membership and therefore possibly no insurance, then you need to make sure you collect money from them that goes to the club to cover guest insurance and have them sign in. If you do that, then all are covered. Instructors are free to carry extra insurance which can also include covering their students, but in BC at least, and I would suspect the rest of Canada it's not necessary.
As well, police officers who are shooting duty weapons either for practice or at quals are covered under their municipal or federal insurance programs and do not need insurance from a club to shoot. I know of a few clubs that prohibit LEO from using the range with duty guns and gear on their own time as they think they aren't covered. They are, it's Fudd boards that are anti cop that come with these stupid rules. Their insurance is government bases and is far better than anything we can buy as club members.

edited to add this for the insurance BCWF provides clubs in BC, I believe if I recall the conversation correctly, that the NFA provided insurance is the same.
 
I had an insurance agent look into it to see if I was covered properly for my sponsors. His expert opinion was its only good for cleaning my bum. Which would explain why cssa is so dodgy about letting memebers see the actual policy

Insurance agent & expert opinion, Thats some funny $hit right there
 
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