Well, not to give the game away, but most liability releases are basically worthless if the injured party has a good lawyer (and of course are totally invalid if there's GROSS negligence as you can't sign away that liability). And really, the insurance issue where kids are concerned makes me think the smart thing is not to teach children. The amount of background checks and paranoia involved with them now really is more trouble than it's worth in most cases. Personally, I like the policy "We're all adults here." Nine out of ten instructors aren't dumb enough to risk income loss on poor decisions. The ones that are tend to go out of business.