Someone in my community of 2000 people wants to teach free t'ai chi in the park. She was told she needs liability insurance to teach free ad-hoc, come-if-you-want to classes there. This is the town's usual way of keeping everyone and everything out of the park.
When I went to Toronto's High Park a few weeks ago, I saw small classes like this all over the park. Do those free tai chi teachers usually get liability insurance? How could you afford it when you teach for free?