It probably depends on what coverage you elect to have. My insurance covers me, any teachers I employ, event insurance for performances and anything I sponsor, and also covers any students who perform with me.
bellydancebiz.tribe.net/thread/b931f953-769a-4a2e-bdd0-d18564e86182#fbdb4d82-3249-4c21-9416-7cb65a0b3d54
