Seems there are 2 issues here: new expenses that are a concern for PT coaches and insurance.

IMO, every coach should carry insurance. It is not that expensive. The reality of our world is that some ppl are lawsuit happy. In a separate thread, I listed 3 falls that occurred under my tutelage. I crazy parent may have tried to sue. Best to be covered. You never know when you will get a private. You probably won't want to turn it down b/c you are not insured. In any case, CYA.

Kay

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Ditto to the max!! I'm a lawyer and my malpractice insurance costs, LITERALLY, ten times as much as the PSA insurance so it seems like a bargain to me. It would cost you more just pay a retainer to a lawyer to get a judge to dismiss an insane lawsuit than it would to buy the insurance. It's worth it to me just for the peace of mind.