A distinction must be made between the types of insurance policies ! If you run a dojo you must have both premises liability [ an injury arising out defective / negligent maintenance of your dojo environment / building under your control ] and professional liability insurance [ litigation related to, your teaching practices ] ! If you have this' business' coverage only and you get into a personal beef outside the dojo not related to your dojo practice , then most likely, you will not have any protection ..go over this with your agent !
A personal umbrella policy is usually written for 1 million dollars in excess over underlying homeowners' coverage of $ 300,000.00 ! As the name implies , this is strictly for non business related events ….this protection does not extend to dojo / professional exposure ! Some personal umbrella policies do not have the language you need for self defense protection ….so check with your agent first …then your lawyer should go over the policy ! And remember no policy out there will ever afford coverage for criminal defense costs if are charged by the police as a result of your encounter …even if proven to have been in self defense !
The waivers usually are not worth the paper they are written on ..as the argument goes that you cannot contract your common law liability away with a piece of paper ! In some states it is a bit stronger than others , and it is generally helpful in arguing assumption of risk ..but don/t count on it !
Now this is not legal advice you are getting from me …so do yourself a favor and do go see an attorney , but the right one …