To answer the last question: it depends whether the flying school has employer's liability insurance. It is well-known that the majority of flying instructors are self-employed and therefore would not be covered by EL insurance. In those cases it would be up to the individual to make sure that he was covered himself. Despite many enquiries through insurance brokers and underwriters I have been unable to locate a policy to cover instructors and examiners and on the last enquiry was told that there was no market for it! We therefore need the weight of numbers of instructors anxious to protect themselves in order to get a special policy written. Who is interested??