Our club has club insurance with CSSA, I'd would hope that is sufficient.
have you ever read your policy, it is a basic liability policy that covers very little and for sure does NOT cover gross negligence.... if an instructor taught the student something (key word here is taught) that caused something or somebody to be injured or killed then the instructor and the CLUB would still be liable UNLESS he can prove that he did not teach that, then the club would also have to prove that they did not endorse the instructor's teaching methodology.
Since IDPA in particular does NOT have proper lesson plans or a proper course layout the instructor has ZERO proof of exactly what he taught when and exposes HIMSELF to liability.... it does not matter if there is PASS/FAIL because you as the instructor have taught the student and instructed him, so you are liable.
Again, ask your insurance people about "errors and ommisions" insurance, and take the time to read the insurance policy from the agency that the CSSA provides, you will be surprized.
At least with black badge there is a mentorship program in place for thier instructors and a valid Instrucor manual with point by point discussion topics and proper lesson plans, the instructor can provide PROOF of what he taught and also provide PROOF of his teaching methodology and also he has his mentor to speak for him and what he was taught to teach.... the same can be said with the CFC PAL/RPAL courses, a mentorship is in place and proper teaching tools are allready made and approved.
so again, review your insurance policy and phone and ask them specifically if it covers an instructor teaching courses.
Also make note that Blackbadge/CFC and all other "instructors" actually have "instructor" status in thier respective groups.... right now the only people certified in IDPA to instruct are the SOI's (and they are only certified to instruct the SO course)... so once again the lawyers can ask "who certified you to instruct to students and what instructor status do you hold"
"but but I am an SO.... " and the question will be asked where in the SO course you learned to teach and where you learned the skills and skillsets to properly instruct and where are your lesson plans and so on....