I was unable to find any non-aviation insurers who would quote for employer's or public liability for premises on an active airfield. I eventually used Haywards, but they would only cover for the Club rooms, stating that: From the rooms to the aircraft was the airfield's responsibility and in the aircraft was covered by the aircraft insurance. Of course this means no employers liability cover outside the Club rooms. Hence a self employed instructor has no cover outside the Club rooms, unless he arranges it himself/herself. Unless someone on here knows different?