Originally Posted by April422
I'd really love to know how simply having insurance makes you more likely to get sued, especially as an educator.
If I have insurance or not isn't something I advertise to clients, so how would they know if I have "deep pockets" or not?
I read about this in a general "starting your own business" book (Small Time Operator), I think, thought it might have been someone else. It makes you more likely to be sued simply because you are a "riper" target and it makes it more worth the lawyer's while to take on a lawsuit against you (if you don't have insurance and someone wants to sue you over CBE classes, the lawyer would probably just laugh at them!). The best way to protect your assets is not to have any, LOL! (this is not my actual recommendation, but a comment I've read in various articles about liability.) When I was researching liability insurance for my other business (now closed) I cam across an article on Nolo.com about the best candidates to sue--it had a list of "qualities" the sued person should have before you take on a case. They were: has liability insurance, high personal assets, low debt, close-knit family, and things like that. Lawyers can check into whether you have insurance or not before they decide whether you are worth suing.
I include a really short contract on my CBE class registration form that has a disclaimer of responsibility on it (along the lines of, "we are enrolling in these classes of our own free will and understand that we are still responsible for our own choices for birth. We will not hold the educator responsible for birth outcomes or how we choose to use and apply information," etc...) That feels sufficient for me. ALACE does have a good explanation in their manual that explores the issue more and concludes that there is no reason for a CBE to be sued (I don't think one ever has been...).
Editing to add: if you are teaching out of your home, it would make sense to add some personal liability to your homeowners policy. This is different than professional liability insurance which is what I was talking about above.