My wife is teaching small groups of kids hip-hop dance on a regular basis in her spare time.
What kind of insurance does she need in order to cover the kids if they have accidents? I believe that this is called public liability insurance in the UK, but I am not sure what that would be called in Switzerland.
What kind of companies offer that kind of insurance?
Thanks for advice. You can reply with the German terminology if you like.
A public liability insurance is very advisable. It is called Haftpflichtversicherung here. I don't know if a normal Haftpflichtversicherung covers commercial activities, too.
Organisers often write "Versicherung ist Sache der Teilnehmer" (insurance is concern of the participants) on entry forms. This isn't enforcable in court - I think this is either widespread because it's an old habit or because it protects the organiser from damages not covered by the public liability insurance...
This user would like to thank Nathu for this useful post: