[Nords]

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Originally Posted by nphx I played hooky today and went skiing. Had a minor bump with someone on the slope - we both brushed it off... but what if they were injured or unethical... What insurance protects you in these types of cases?

You would think that the lift ticket has a paragraph or two about nobody being liable for nothin', most especially not the ski resort or its staff.

We have the same multi-paragraph liability waivers for taekwondo tournaments-- in case someone gets concussed or breaks their nose or has their teeth realigned. Yes, those things have all happened in my age group/weight class, but I wasn't on either side of it.

We do our umbrella liability insurance through Armed Forces Insurance Exchange and I've decided to be very careful about teaching or refereeing taekwondo. Most people get the insurance from their homeowner's or auto policies. If you meet their membership requirements, you might also want to look into USAA.

Good luck with personal watercraft, motorcycles, dogs of vicious-reputation breeds, and other aspects of high-risk lifestyles.