Just got my insurance quote. The same company charges virtually the same price. Another is a dad cheaper. So insurance wise I can't see a problem. As for customers suing instructors. That has always been the case. Read in the award "The foregoing will not apply to a pilot who knowingly performs their nominated duty in a manner contrary to law or the employer's policy." You might have to spend $$$$$$$ arguing in court that you "did not knowingly.......". They'll tell you "you should have known" etc.