MacFadden Foundations, Inc. (6th Cir. 1970) 434 F.2d 811, 813; Everett v. Bucky Warren, Inc. (1978) 376 Mass. 280 [380 N.E.2d 653, 659]; Miller v. Macalester College (1962) 262 Minn. 418 [115 N.W. 666]; and Knight itself, supra, 3 Cal.4th at p. 318 [citations to cases involving suits against sports instructors and coaches].) The coach or instructor is not, of course, an insurer (Stehn v. Bernarr MacFadden Foundations, Inc., supra, 434 F.2d at p. 813), and a student may be held to notice that which is obvious and to ask appropriate questions (see Vendrell v. School District No. 26C, Malheur County (1962) 233 Ore. 1 [376 P.2d 406].) But all of the authorities that comment on the issue have recognized the existence of a duty of care.” (Tan v. Goddard, supra, 13 Cal.App.4th at pp. 1534-1535.)
Likewise, in Galardi v. Seahorse Riding Club (1993) 16 Cal.App.4th 817 [20 Cal.Rptr.2d 270], the Court of Appeal held that a horse jumping instructor owed a duty of care to one of her students “to avoid an unreasonable risk of injury to plaintiff and to take care that the jumping array was not beyond the capability of horse and rider.” (Id. at p. 823.) Once again, the court looked to the common law in making this determination: “Upon review of the authorities relied upon in Tan and of case law in other jurisdictions (e.g., Benitez v. New York City Bd. of Educ. (1989) 73 N.Y.2d 650 [543 N.Y.S.2d. 29, 541 N.E.2d. 29]; Kirk v. Washington State University (1987) 109 Wn.2d 448 [746 P.2d 285], cited in Knight v. Jewett, supra, 3 Cal.4th 296, at p. 314), we have concluded that Tan was correctly decided and agree that the general rule is that coaches and instructors owe a duty of care to their charges.” (Galardi v. Seahorse Riding Club, supra, 16 Cal.App.4th at pp. 823-824.)
In order to determine whether the general rule set forth in Tan and Galardi should be followed in a given case, it is appropriate to look not to “the labels given to the sporting participants, but instead [to] the facts surrounding their levels of experience and/or their relationships to one another in the activity resulting in the plaintiff’s injury. [Citations.]” (Regents of University of California v. Superior Court (1996) 41 Cal.App.4th 1040, 1046 [48 Cal.Rptr.2d 922].) In this case, at the time of the accident, Daniel Tamori, a second degree black belt and a former national champion, was working as a volunteer instructor at the club. Bushnell was only a white belt. During a typical weekly session, students practiced throws on partners of like ability, size and age while instructors circulated to provide instruction, including hands-on instruction. On the evening in question, however, Bushnell’s usual practice partner was absent, so he was paired with Tamori. The accident occurred while Bushnell was practicing a tai otoshi throw, also called a body drop, on Tamori. In its response to Bushnell’s statement of undisputed facts,