No. You only need to pay for the years you are active. However as was said earlier if you get sued for something during one of those years you were not covered and you were acting as a DM in ANY capacity you are screwed.
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ekewaka:If I take the class and get certified, but I never actually work as a DM, will I still need insurance?
atedeschi:Not to hijack the thread but how much is Instructor Insurance running now? I am getting my instructor cert and wanted to start figuring out insurance prices. Thanks in advanced.