I checked out your post and discussion on insurance. To say insurance law varies from state to state is like saying Texans and Californians speak a bit differently. I mean whoa dude y'all, but while some states are fairly loose with the insurance industry, others, such as California, have elected insurance commissioners and enough regulation to keep a small army of attorneys employed.
As to how would I define professional, I believe Mr. Canna is over inclusive, having attempted to elevate those in the medical vocation to status of those practicing the legal profession.
What is a profession? Who knows. I have followed trucks advertising for drivers to join the company's team of professionals (that would be a professional truck driver, a profession that allows one to put the hammer down, as opposed to being a professional contractor, which often requires one to pick the hammer up). If one is paid for a sport, are they not termed professional athletes? In California, we license professionals from attorneys, doctors, nurses and engineers, to barbers, cosmotologists and message therapists.(Also insurance agents, realtors, appraisers, accountants, and day care operators.) As they all have a state license, I suppose one could view them all as professionals.
Then, of course, there is the world's oldest profession, again licensed in Nevada, with no doubt its own problems in getting both liability and malpractice insurance.
But, I digress. Whether you believe being and black belt and teaching martial arts makes you a professional isn't really the issue. In your case, it's what your insurance carrier thinks. And, while Mr. Canna is right with regard to seeking declaratory relief to resolve the issue, such relief would probably have little long term effect on your situation. (Oh, and declaratory relief is one of those oddities of the law, it is just what it sounds like. Basically, you go before a judge and present a contract and ask the judge to make a declaration as what rights you have under the contract. The objective of declaratory relief is prevent breaches of agreements before the breach occurs.)
As to insurance, many sports organizations have undertaken getting insurance for their members. How they get the insurance program underwritten is a mystery to me, but I suppose an ambitious group of Uechi instructors could form an association for the purpose of providing an insurance pool, just like many gymnastics schools have had to do. If it is any help, when I taught Uechi for money, I checked with several other karate schools and with gymnastic, and exercise schools in order to find a broker that could link me up with an insurance provider. With the growth in such things and cardio karate, I gotta believe there is some insurance company out there making a killing off martial arts related exercise and a broker in your area willing to take his or her cut of your premium in order to put you in touch with the insurance company.
Robb in Sacramento