I recently (finally) got my CFI certificate and was pretty excited about it at first. That initial excitement, however, was quickly tempered as I started to look into insurance options. I’ve seen a handful of CFI insurance posts here, but nothing that directly addresses what I’m trying to figure out. Both AOPA and Avemco offer personal liability insurance for CFIs, but do not cover commercial operations. So, according to both of them, I can be covered if I do some instructing as an individual, but if I want to form an LLC to do so (which the lawyer I spoke to said I should do) I may run into issues. Also, the highest amount of coverage those two places offer is $1 million per incident, with a limit of $100K per passenger. I was once told (years ago) that if someone is killed in a car crash, the payout basically STARTS at $2 million. If that’s true (it may not be), I’d expect a similar outcome from an aviation accident would have a similar (or higher?) starting point. If so, then the AOPA and Avemco options may not offer enough coverage to make me comfortable. (I obviously hope this situation would never arise, but there’s a reason people buy insurance). The local flight school has expressed interest in having me teach part time (that’s all I’d be able to do anyway) and I’d be covered under their insurance if I went that route. Which seems like the easiest option to deal with the insurance situation. The problem is, I have a few friends I’d like to give some instruction to and the school isn’t a fan of their employees also freelancing. (Plus, I’d still need my own coverage if I taught outside of their operations.) I have a lawyer looking into this as well as two insurance brokers researching their options for general commercial liability coverage levels and costs. But, I’m wondering if anyone here has experience with this that can help point me in the right direction. Edit to add: I posted too soon and forgot to include a question about how common a waiver of subrogation is. While I understand the concept (after it was explained to me), it’s a little unclear what motivation an insurance company would have to agree to it.