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Problem: An aerobics teacher agreed with a college to offer courses and queried duplication of the insurance cover . The college provided the Sports Hall, booking and payment facilities and advertising. The teacher had to provide qualified instructors and be responsible for paying instructors and running the courses. The course fees were to be split between the college and the teacher.

Advice: In the event of any insurance claim from students attending the course, claims could be delayed whilst the respective insurance companies agreed the limit of their client's specific liability. The simple solution was to extend the "College's Policy" to provide the necessary cover and record the aerobics teacher's particulars in the policy document, so that in the event of any claim, only one insurance company would be liable for negotiating and settling potential claims.

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