So, two groups of questions in this. What level of gear do you use in your classes (question for both students and instructors) when sparring with strikes? And what level of contact is allowed? How variable is any of that (equipment and level of contact)? And how often do you spar (I'm assuming this will correlate in some way). (This one's for instructors, or for students who happen to know the answer for their school.) For those in the US, what impact does insurance have on your decision? Does your insurance company ask what equipment/contact level is allowed? Do they impose any requirements or limitations? I'm thinking through what I can and want to allow, and at what level. I need to discuss it with the dojo owner when I return (taking a bit of time off with my foot surgery), and thought I'd use this time to ponder and gather some info.