This is an insurance designed to cover you should anyone you are teaching make a claim against you. It will also cover you for any legal fees incurred in defending yourself against such a claim. If you teach at all or hold clinics it would be wise to take this cover. However be aware that there are many different policies available and you should take the trouble at the start of the policy to check exactly what you are covered for. For example, some policies offer European cover while others do not, some cover you for teaching at home, some only for teaching at clients premises and some do not, some cover you for getting on a clients horse to school or demonstrate a point and others do not.