Who the cover applies to
Insured is work as a freelance or self employed instructor at private sports schools, for example in winter sports and water sports or as an outdoor, bike and fitness trainer, and equally work in clubs. We also have solutions for rafting guides, lead canyoning guides and mountain guides. Cover can only be taken out by people resident in Germany.
When you do not need a policy of your own
Anyone working at a watersport school, a snowsport school or an outdoor business that holds its liability cover through us needs no professional liability policy of their own for that work. The personal liability of all self employed staff always sits inside our school liability cover. The only condition is that the school has registered you with us as a member of staff. Only once you also teach at other businesses or clubs where you are not covered does a policy of your own become worthwhile.
Included at no extra premium
- Private family liability
- Private windsurfing and kitesurfing liability
When teaching turns into running a business
Professional liability covers the freelance instructor working for other people's schools, but not a school of your own. As soon as one of the following applies to you, the instructor's policy has to be converted into school liability cover:
- You have land, stretches of beach or buildings of your own, rented, leased or made available for your use. Property owner's liability is not included in professional liability cover.
- You teach using more than five kitesurfing or windsurfing rigs of your own, or using your own boats.
- You employ staff, whether employed or self employed.
- You organise trips or sailing tours.
In those cases you will find the right starting point under watersport schools, snowsport schools or outdoor centers and bike stations.
Information and application
All the details of the scope of cover and the route to taking it out run through our online form. The form is in German. If you would rather answer in English, just send us an e-mail.
Not sure whether you are already covered?
Tell us which schools you work for. We will check it for you and tell you what is still missing.