liability

I've been thinking on what some of the red flags would be for me to not train someone or what would warrant banishment from class. I've only seen a handful of people banned or excommunicated in my lifetime. What have been some of your experiences with this matter as an instructor or student...

My school has always carried accident and liability insurance protection through the AAU. Recently one of the municipalities I teach in has informed me that the AAU coverage carried is not adequate to teach at their location. I was curious, if you teach out of a rec center, church, community...